Our clients

“I didn’t have an oven so I went from place to place in San Juan renting one to make the bread I earn a living from. Also, I couldn’t buy enough flour to satisfy my growing clients. So I talked to FDL and they told me to request a loan as a small industry. The loans have allowed me...

“After the really serious coffee situation in the nineties, I turned to the Local Development Fund branch in San Juan del Río Coco, which was recommended by some friends, and they gave me my first loan. In my work life I went from having 20 calves to having 250 heifers and I bought 70...

“Because of the lack of work, you try to figure out what to do, so I got involved in trading, with support from FDL. FDL is an institution that helps you with what you need and helps you be able to work. It has been a real benefit for me, helping me solve huge problems. In fact, it has...

“Before I was working with the Fund I couldn’t get ahead. I was economically stagnated and couldn’t earn a living with the little bit of sewing I did. Now, with FDL’s help, I’ve been making progress. I only had one machine and now I have two, a new electric one. I’ve rebuilt my...

“My establishment burned to the ground and I still had part of a loan to pay, so I went to tell them what had happened. But they already knew about my situation, because they’re on top of things. I asked them to give me three months to start paying again, so they looked over my situation...

“We peasants were feeling all alone, with no support, until FDL came to El Cuá and changed the life of many of us. Looking to increase my property and buy more cattle, I turned to the Local Development Fund branch in El Cuá. With the loan I’ve now doubled the head of cattle and have 70...

“The clothing and shoes business has grown a lot recently. I now have to travel twice a month to the capital to look for merchandise, and it’s because the Local Development Fund has provided me unconditional aid to help build my business and thus get good earnings. One of my achievements...

“I’ve won the prize for quality twice. That allows us to go to an international auction where one can get very good prices. Proof of that is that when coffee was at $80 a hundredweight, I got $300 in an international market that was interested in the quality of the coffee. All of us...

“Today, thanks to God and to FDL, which has given me a little support, the training sessions they’ve given me have been real useful. I didn’t even know what accounting was, but now my wife and I keep books, not so perfectly, but we do understand a bit of it. With the loans that FDL has...

“I began this business in this market seven years ago. I started out renting a little stall from a lady who gave me a place to sell with a little ice chest, because here nobody sold ocean fish. Now more is sold, and I’m the founder of the sale of fish here in this market. This is a...

“The joint liability group was founded two years ago and we’ve gotten two loans to raise chickens and pigs, and for agriculture, mainly coffee.” “The loans have helped me raise my children and increase my production of nacatamales and rosquillas in my community of Quibuto. FDL has...

“We give thanks to this bank that has come to help the merchants because I don’t think I’m the only who feels as good as this about FDL.“ Norma del Carmen Hernández “In the first loan we saw the facilities they offered us, which isn’t like the usurers, because they come around...

“You’ve helped me a lot because we in the countryside live abandoned. You’ve helped us here in Matiguas, and I feel grateful and hope you’ll continue helping us with loans. I’ve multiplied my cattle herd with the credit, and totally improved the infrastructure of my farm and formed...

“When I started working with FDL I didn’t have anything, now the house and the lot belong to me. If we have debts, it’s only with them. Now what I undertake is mine. FDL has been a wonderful thing for me because before, when I didn’t take out loans with them, if I bought one thing, I...

“El Jícaro, Quilalí, Susucayan, Santa Clara, Ocotal are the communities I visited once a week to offer my medicinal products, but I stopped having to make that trip when I learned about the Local Development Fund. It helped me establish a post. Somebody told me that FDL loaned to people...

“My sons and my son-in-law have loans with FDL, and I recommended them. I talked to them about the bank that offered good conditions. It helps us because my entire family now lives well. We aren’t wanting for anything. We get help from FDL. It has loaned us money anytime we have some...

“I’ve been working the land for 20 years. I’ve also worked in raising pigs and cattle. I’m a diversified farmer, in that I grow maize, beans, citrus fruit and vegetables and mainly sell the fruit harvests. FDL has helped me a lot. I’ve bought land, obtained a vehicle, rebuilt my...

“I had a little farm, but didn’t have cattle, so we went to FDL and took out a loan. We’ve been growing little by little. We have a house, animals, pasture for cutting, silos, cutters. All our improvements have been thanks to the earnings from the loans. FDL has solved the problems in...

“I’ve been a widow for two years and of my three children only one still depends on me. I’m a nurse’s aide and have been working with FDL for four years, and I’ve never had a complaint because one knows one’s responsibility. With the loans, you can fulfill your aims; mine have...

“I’m a teacher, and have been working for the Ministry of Education for 24 years, but since the salaries don’t help us get ahead as a family, we have to seek other means to subsist. FDL gives good service, the interest is low and best of all is the speed with which they give the clients...

“They told me that FDL was better, and the truth is I’ve felt very good working with them. One of the things I like most is that their interest rates are low. I also like the way they treat me. The workers are very kind, the promoters are very attentive, and that’s what attracts me –...

“My first loan was a thousand dollars and with that I set up my shop. Things have gone well for me: I had nothing and since then I’ve been getting ahead. With the loans I’ve been improving my house, a truck, I’ve bought a machine… you can see that FDL helps a person. The service...