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Keyttel Januaria
The micro entrepreneur Keyttel Januaria C. M. is 27, married with one small child. For the past 6 years she has been selling gold jewelry, such as chains, bracelets, rings, etc. She sells by order when her customers ask for her products for presents for their spouses, children, and friends for special occasions: Valentine’s Day, birthdays, etc.

The micro entrepreneur C. does financing for her customers, between two and three months. Also this young mother sells products such as perfumes, deodorants, nail polish, lipstick, and more.

This micro entrepreneur has previously received loans from Kiva since she is punctual with her payments and has paid them back promptly. Currently she is asking for a loan to buy the following products:

4 gold chains US $40 each
6 gold rings for women US $20 each
6 gold bracelets for women US $30 each
And 6 gold bracelets for children $US 15 each.
View original language description ↓
La microempresaria: Keyttel Januaria C. M. tiene 27 años de edad, es casada tiene una hija menor de edad y se dedica hace unos 6 años al negocio de venta de prendas de oro, tales como cadenas, pulseras, anillos entre otros. Esa actividad la hace por encargo, ya que sus clientes le solicitan sus productos para regalos a sus parejas, hijos e hijas, amigos en ocasiones especiales por ejemplo el día de los enamorados, el día de sus cumpleaños entre otros.

La microempresaria C. entrega sus productos con facilidades de pago que oscila entre dos a tres meses, también esta joven madre vende productos tales como perfumes, desodorantes, pinturas de uña y de labios entre otros.

Esta microempresaria ya a sido beneficiada con prestamos de Kiva y ya lo cancelo cumpliendo puntualmente sus pagos. Actualmente esta solicitando para que se le financie para comprar los siguientes productos:

4 unidades de Cadena de oro a US 40 cada una, 6 unidades de anillo de oro para damas a US 20 cada uno, 6 unidades de pulsera de oro para damas a US 30 cada una y 6 unidades de pulsera de oro para niños a US 15 cada una.

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
  • 134
    View loans »
    Nicaragua Loans Fundraising
  • $24,558,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $550 helped Keyttel Januaria to buy gold chains, gold rings for women, gold bracelets for women, and gold bracelets for children.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Mar 23, 2010
Listed
Mar 18, 2010
Currency Exchange Loss:
N/A
Ended:
Apr 15, 2011