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Berna Luz
Berna F. is 36 years old. Her two children are in school, and she lives in the Monseñor Lezcano neighborhood in the capital of Managua. Married, her husband is a great deal of help in the hardware store. She started 20 years ago, in partnership with her husband, using her own capital. They also bought small quantities of products which generated income that the reinvested. Thanks to the loans through Afodenic, she has managed to grow her business and improve her standard of living. With the loan, she will buy products such as: nails, wire, iron, and planks to generate better sales.
View original language description ↓
La Señora. Berna F. tiene 36 años de edad, Sus dos hijos estudian, habita en el barrio Monseñor Lezcano en la capital de Managua, casada su esposo es de gran ayuda en la ferretería. Doña Berna tiene su pequeño negocio de ferretería desde hace veinte años iniciándolo con capital propio en sociedad con su esposo, además compraban cantidades pequeñas de productos e reinvertían las utilidades y pocas variedades Gracias a los prestamos en Afodenic a logrado crecer su negocio y mejorando su nivel vida. Con el prestado comprar productos como: clavos, alambres, hierros, palas, cobas, para obtener mejores ventas.

Additional Information


This loan is administered by AFODENIC, La Asociación para el Fomento al Desarrollo Nicaragua, a Kiva Field Partner based in Managua, Nicaragua. Founded in 1999, AFODENIC was created to promote the socio-economic and cultural development of sectors that are excluded from commercial banking. Integrating economic and human resources, AFODENIC offers affordable and adaptable financial services aimed at strengthening the family unit of their clients, who include students, producers, and micro- and small entrepreneurs from rural and urban areas. AFODENIC is a socially responsible institution engaged in society and making a positive impact on its professional partners and communities.

Supporting a borrower through AFODENIC contributes to the pursuit of innovation in mitigating poverty in Nicaragua. Visit AFODENIC’s partner page for more information.

About Nicaragua

  • $4,800
    Average annual income
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 19.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Berna Luz to purchase nails, wire, iron, among other items.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
May 7, 2009
May 19, 2009
Currency Exchange Loss:
Sep 15, 2010