Maria Auxiladora Rodriguez Sarria

Mrs. María Auxiliadora Rodríguez Sarria is 51 years old and married. Doña María has 1 son, who is 15 years old and recently started his 4th year of high school. Her husband has his own business. Her goals are to keep her business active given the actual economic climate, since her country is in a very unstable condition. Her dreams are to increase her inventory in order to offer a variety of products and satisfy client demand. She hopes to obtain sufficient income to retire, because she has been working since she was very young to have a provide a better life for herself and her family. She needs enough income to retire since her son is still only a student and does not work so that he can become a professional and be useful in society.

María sells general merchandise and offers the following: toys, snacks, clothing, shoes, sandals, and housewares. She runs her business from her home, which she has done for 38 years. Her business was born with the goal of helping with the costs of living and to help her son get ahead in his studies. At first her business was an ambulatory format, offering merchandise door-to-door to her neighbors and friends. She thought this was the easiest way to do business becuase her merchandise was exposed to the different tastes of her clients. But, because of her age and the time it required, María could not continue walking. So she decided to establish a fixed location in her home. Her family has always been supportive of her decision. At first she could not get used to the ides of maintaining her store in a single location, since she had always been moving. Over time she became accustomed to the idea and benefits from the business she owns. Now she asks for a loan for business capital which she needs to invest in the purchase of school supplies since classes begin soon and she wants to offer what her clients need.

Translated from Spanish by Laura Jung, Kiva Volunteer

La Señora María Auxiliadora Rodríguez Sarria tiene la edad de 51 años, su estado civil es casada, Doña María tiene 1 hijo de 15 años de edad y recientemente cursa el 4 año de secundaria, su compañero de vida labora por cuenta propia, sus propósitos son de mantener su negocio activo por la situación actual ya que en el país se encuentra en una situación muy inestable sus sueños son de incrementar su inventario para ofertar una variedad de productos y satisfacer la demanda de sus clientes sus deseos son obtener los suficientes ingresos para descansar de su trabajo ya que desde muy temprana edad ha luchado para conseguir una vida mejor para ella misma y su familia y así pueda descansar para su vejes ya que su hijo actualmente solo estudia y no trabaja por lo que quiere que sea un profesional que sea útil para la sociedad.

Su actividad económica es la venta de productos de mercadería en general y ofrece lo siguiente: juguetes, golosinas, ropa, zapatos, sandalias y productos del hogar, la ubicación de su negocio es en su casa de habitación, el tiempo que tiene de poseer su negocio es de 38 años, la historia del inicio de su negocio nace con el objetivo de apoyar en los gastos de su familia y ayudar a su hijo a salir adelante con sus estudios por lo que al principio inicio de forma ambulante ofreciendo la mercadería de casa en casa de las personas que eran sus vecinos y amigos debido a que esta idea era la mas factible por que así su mercadería estaría expuesta a los diferentes gustos de sus clientes pero debido a la edad y al paso del tiempo Doña María no podía seguir caminando a como empezó desde un principio por lo que decide establecerse en un lugar fijo a como lo fue su casa de habitación y siempre apoyada por su familia deciden establecer su negocio al inicio no podía acostumbrarse a la idea de mantener su mercadería en un solo lugar por lo que siempre estuvo en movimiento pero al paso del tiempo se fue acostumbrando y obtiene lo que actualmente posee de su negocio por lo que ahora pide un financiamiento propuesto para capital de trabajo ya que necesita invertir en la comprar de útiles escolares ya que se acerca la entrada a clases y así podrá ofrecer lo que sus clientes necesitan.


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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