Ariel Ignacio Salieron Obregón, an entrepreneur, is 43 years old and married. He has two children. One is in high school, and the other is in the university.
Mr. Salmerón owns a vehicle, which he uses to provide taxi services in the city of Bluefield. Due to the road conditions, cars get damaged frequently. The vehicle owners, therefore, must perform maintenance frequently. That is why Mr. Salmerón needs to buy some replacement parts for his taxi. He will use the loan to buy the following:
Brake repair that costs US 130, radiator that costs US 150, headlights that cost US 70 per light, 4 Rucyer tiles that cost US 60 per tire, compressor for the air conditioning that costs US 190, and front windshield that costs US 150.
El microempresario Ariel Ignacio Salieron Obregón tiene 43 años de edad es casado tiene 2 hijos, uno estudia en secundaria y otro se encuentra estudiando en la universidad. El señor Salmerón es dueño de un vehiculo (Taxi) con el cual brinda labores de transporte selectivo en esta ciudad de Bluefields.
Sin embargo por las condiciones de las vías (calles) los vehículos se dañan con bastante frecuencia lo que obligan a los dueños de estos a tener que darle mantenimiento con bastante frecuencia, por tal razón el conducto Salmerón requiere comprar algunos repuestos para su taxi. Por lo que esta solicitando se le financie para comprar lo siguiente:
1 vulvo de freno el que le cuesta US 130, 1 radiador cuesta US 150, 2 focos delanteros US 70 cada uno, 4 llantas Rucyer US 60 cada una, 1 compresor para aire acondicionado cuesta US 190 y 1 vidrio delantero cuesta US 150.
Please note that Kiva considers loans from this Field Partner, ADEPHCA, to be particularly high risk. This organization is very small and started working with Kiva before certain core risk and due diligence policies were put into place. ADEPHCA organization would not fit under Kiva’s current partnerships criteria because they do not have any audited financial statements, they do not have established internal controls, and they currently have no other sources of funding than Kiva. Kiva continues to allow ADEPHCA to raise funds on the website for two reasons. First, if Kiva were to abruptly end the partnership we believe there would be a higher risk of loss for lenders, since cutting off the Kiva funding source would put ADEPHCA in a financially distressed position. In addition, since ADEPHCA provides loans in some of the poorest and most remote areas of Nicaragua where there are almost no other options for funding, we believe these loans could still be of interest to lenders even considering the increased risk.