Ana Cecilia Torres Ruiz

Ana Cecilia Torres Ruiz tiene la edad de 50 años, es una mujer muy responsable con su negocio. Su actividad económica es una pulpería, hace más de 7 años que se dedica a esta actividad. Ella dio inicio por cuenta propia ya que necesitaba generar ingresos para sufragar sus gastos, a pesar de que Ana no tuvo la oportunidad de estudiar una carrera, logro salir adelante con este humilde negocio, ya que ella se hace cargo de su Mama. Ana tuvo ciertos desafíos como fue el aumento de los productos. Ella solicita este financiamiento para capital de trabajo para la compra de golosinas en general, detergentes, gaseosas, pollo y ciertos productos para el hogar. Su deseo es lograr tener hijos ya que hasta el momento no tiene.


Important Information About This Loan
In mid 2008, a movement began in Nicaragua called “Movimiento No Pago” (a movement for non-payment of loans). This movement, supported mostly by farmers of the north of Nicaragua with ties to the left-wing party in Nicaragua, has been organizing protests and making it difficult for some branches of microfinance institutions to operate normally. This movement has been fed by the global the economic crisis, which has made it more difficult for Nicaraguans to pay back their loans. This group has submitted a law to the government to create a moratorium on debt repayment. If passed, the law could have a severe effect on the microfinance industry and banking sector in Nicaragua. Recent information indicates that the situation may be improving as the President of Nicaragua has spoken out against this law and would not support its passage in its current form. The network of microfinance institutions in Nicaragua (ASOMIF) has been negotiating with the government in support of an alternative proposal. Kiva, along with 25 other funders from 9 countries, has signed onto a letter to the Nicaraguan government urging a resolution to this situation without enacting a moratorium on debt repayment. The potential passage of the debt moratorium increases the risk of lending in Nicaragua. For more information, please see the following articles: http://impreso.elnuevodiario.com.ni/2009/09/24/nacionales/110236; http://www.laprensa.com.ni/archivo/2009/octubre/16/noticias/economia/355010.shtml

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