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Francisca Evelia
Francisca Evelia Rodríguez, 48, is married and has 3 adult children. She is a teacher but she has also sold silver jewelry for a little over two years now. This side business produces extra income for household expenses. Her main customers are housewives that work in State or private industry ofices to whom she offers her wares on easy installment payment plans. This is a profitable business but she must have reliable capital available in order to buy her products in quantity so that she can recouperate her costs in 3 or 4 months. For this reason she requires funding to buy the following silver jewelry items: 10 tiger-eye rings at US 8 dollars each, 10 onyx rings at US 8 dollars each, 8 pairs of large, circular earrings at US 13 dollars each, 6 decorated bracelets at US 6 dollars each, 9 animal charm bracelets at US 10 dollars each, 8 heart bracelets at US 9 dollars each, 8 ball chains at US 14 dollars each, 8 sets of necklace and earrings at US 15 dollars a set, and 8 anklets at US 7 dollars each.
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La microempresaria: Francisca Evelia Rodríguez tiene 48 años de edad, es casada con 3 hijos todos mayores de edad, esta microempresaria quien es profesora y también se dedica a vender joyas de plata desde hace un poco mas de dos años. Este negocio le permite tener algunos ingresos para los gastos del hogar.

La microempresaria Rodríguez tiene como principales clientes a mujeres amas de casa y que trabajan en instituciones del estado y privadas a quienes les oferta sus productos con facilidades de pago en varias cuotas. Este negocio es rentable, sin embargo se tiene que contar con un buen capital para poder comprar mayor volúmenes de los productos y recuperarlos en tres o cuatro meses.

Por tal razón la señora Rodríguez requiere se le financie para comprar las siguientes prendas de plata:

10 Unidades de anillo ojos de tigre le cuesta US 8 cada unidad, 10 unidades de anillos de piedra Onix el cual compra a US 8 cada unidad, 8 pares de aretes circulares grandes a US 13 cada par, 6 unidades de brazaletes decorados los que compra a US 6 cada unidad, 9 unidades de pulseras de animalitos a US 10 cada unidad, 8 unidades de pulseras de corazón a US 9 cada unidad, 8 unidades de cadenas de pelota a US 14 cada unidad, 8 juegos de gargantillas y aretes a US 15 cada juego y 8 unidades de pulseras de pie a US 7 cada unidad.

Additional Information

Important Information

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.

About Nicaragua

  • $4,800
    Average annual income
  • 67
    View loans »
    Nicaragua Loans Fundraising
  • $25,102,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $750 helped Francisca Evelia to buy assorted silver jewelry.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 28, 2010
Jan 14, 2010
Currency Exchange Loss:
Dec 15, 2010