Xiomara Del Carmen Baltodano Ramos

Xiomara Baltodano is 38 años years old and lives in the neighbourhood Laureles Sur in the capital of Managua. She is married and has four children: two now adults and two who study. Her husband works independently as a gardener and has clients who call him for his gardening services. Xiomara's runs a business selling cosmetics. Previously she had a grocery store but the margin of earnings was low, which is why she opted to change businesses and she is doing better with cosmetics. This is her seventh cycle with Afodenic, and she aims to invest this loan in purchasing a range of cosmetics to satisfy the demand of her clients. She sells her products for cash and two-week credit at accessible prices. Her goal is to enlarge her business, improve her house and help her two younger children with their education. She gives thanks to Kiva for the opportunity to increase her sales and improve her quality of life, as it is only through financing that she is able to get ahead.

Translated from Spanish by Suzanne Grasso, Kiva Volunteer

Doña Xiomara Baltodano de 38 años de edad, reside en el barrio Laureles Sur en la capital de Managua, casada y con 4 hijos dos mayores de edad y dos estudian. Su esposo trabaja como jardinero y lo hace independiente, pues tiene clientes que lo llaman para hacer su servicio de jardinero. El negocio de la señora Xiomara es la venta de cosmético, anteriormente tenia una pulpería pero el margen de ganancia era bajo, el cual opto por cambiar de venta y le va mejor en los cosmético, son siete ciclo en Afodenic el cual invertirá con este préstamo, en la compra de cosméticos variados para sastifacer la demanda de sus clientes, vende al contado y al crédito de quincena, los productos son accesibles de precios. Como objetivo es ampliar su negocio, hacer mejora a su casa, como ayudar a sus dos hijos menores en la educación. Agradece a la institución por la oportunidad de poder incrementar sus ventas y mejorar su nivel de vida, ya que solo mediante el financiamiento logramos salir adelante.

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