Rommel David Meneces Barrera

Rommel David Meneces Barrera is 33 years old and married. Rommel has two children. His oldest son is 12 and is in his first year of secondary school, and his youngest son is 5 and in the first grade. His wife works for a company in customer service. Rommel likes to offer high-quality products to his customers. He hopes to expand his business so he can make more products since many times his customers put in special orders with him that take a lot of time to fill. He wants to build his own home. It has been one of his biggest dreams since he started his family because he would like to give them a comfortable place to live. He would also like for his sons to learn his business. He feels it would be good for their future since he thinks this type of business brings in a high income.

Rommel sells and repairs jewelry. His business is located in the central market. He has had this business for 6 years. Rommel started it with his own money because he had to to support his family. At first he worked from home, but after gaining some recognition with his customers, he decided to establish himself in the central market since it is one of the most frequented markets. There his customers can better appreciate the quality of his work, and he can complete his tasks rapidly, and not only for a certain number of customers, but for anyone who needs his services. The loan is for working capital to purchase grams of raw gold to make and design other types of jewelry that are of a different style because that is what attracts his customers the most and why he needs to invest in his business.

Translated from Spanish by Kelly Wester, Kiva Volunteer

El Señor Rommel David Meneces Barrera tiene la edad de 33 años, su estado civil es casado, Don Rommel tiene 2 hijos sus edades son las siguientes su hijo mayor de 12 años y cursa el 1 año de secundaria y su hijo menor de 5 años cursa el 1 grado de primaria, su compañera de vida labora en una empresa con el cargo de atención al cliente, los propósitos de Don Rommel son de ofrecerle al cliente calidad en sus productos, sus sueños son de aumentar su negocio para así generar mas producción en sus productos ya que muchas veces sus clientes le realizan pedidos que implican mucho tiempo elaborarlos, sus deseos son de construir su propia vivienda pues este ha sido uno de los deseos mas grande desde que formo su familia, le gustaría darle las condiciones apropiadas en las que su familia se pueda desarrollar en ambiente confortable además le gustaría que sus hijo logren aprender este oficio que les beneficiara en un futuro ya que el piensa que este negocio ofrece altos ingresos.

La actividad económica a la que se dedica es la venta y reparación de joyas, la ubicación de su negocio es un puesto de venta en el mercado central, el tiempo que tiene de poseer este negocio es de 6 años, Don Rommel inicia este negocio con fondos propios y con la necesidad de obtener ingresos que ayudaran en el soporte familiar primeramente el hacia trabajos en su vivienda pero al tener cierto reconocimiento con sus cliente decidió establecerse en el mercado central ya que este es uno de los mercados mas frecuentados por lo que aquí sus clientes pueden apreciar mejor la calidad de su trabajo y realizar sus encargos de manera rápida no solo a cierta cantidad de clientes sino a cualquier tipo de personas que soliciten de sus servicios, el financiamiento es para capital de trabajo que consiste en la compra de oro bruto en gramos para elaborar y diseñar otro tipo de joyas que sean diferentes en estilo por lo que esto es lo que mas atrae a sus clientes y necesita invertir en su negocio.


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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