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Susana Hilaria
Susana Jiménez has a small beauty salon. She has been managing it for 18 years. When she was young she studied the program, and it has been her source of income. She has eight grown children, and she is 63. It has been a joy to be able to support her children. Because she is a widow, it was hard to get ahead. She started with her own money, and she sold cosmetics traveling in the market. Due to the crisis in country, unemployment, and low earnings she has not had the usual amount of customers. This worries her because she has to pay her water, light, telephone, and loan monthly. Her hope is that in this month of December when the young people always change their look she will be able to get more customers. She hopes to be able to do a lot of straightening, tints, curling, and other things. That is why she will buy tints, creams, nail polish, and materials to work on the feet and hands. She will do this to increase service and sales.

Her plan is to be able to put the business in her house. She would take care of it herself. She is happy because she has maintained her business, and she has not taken money out of the business for the loans. She can buy all of the necessary products for her work.
View original language description ↓
Doña Susana Jiménez tiene un pequeño salón de belleza el cual lleva 18 años administrándolo ya que desde joven curso el curso y ha sido su fuente de ingreso, procreo ochos hijos todo mayores, tiene 63 años de edad, y ha sido una alegría poder apoyar a sus hijos, ya que es viuda y le toco duro sobresalir adelante. Cuando inicio lo hizo con dinero propio vendía cosméticos ambulantes en un mercado. Debido ala crisis del país, desempleos, ingresos bajo no ha tenido la cantidad de clientes y le preocupa mucho ya que tiene que pagar mes a mes sus pagos de agua, luz, teléfono y a la financiera. La esperanza es que para este mes de Diciembre las jóvenes siempre cambian de lux y espera poder captar clientes y hacer muchos alisados, tintes, encrespado, entre otros es por eso compara: tintes, cremas, pinturas de uñas, materiales para trabajar en los pies, manos, para aumentar el servicio y vender. Sus planes es poder poner el negocio en su casa, lo cual cuidaría de la misma. Contenta por que ha logrado mantener su negocio y no se descapitalizado por los prestamos que hace y compra todos lo productos necesarios para su trabajo.

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
  • 78
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 20.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Susana Hilaria buy products for her beauty salon.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 21, 2009
Dec 16, 2009
Currency Exchange Loss:
Aug 15, 2010