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Maria Teresa
Maria Teresa S. R. is 36 years old and married. Her husband works as a mason. They are a very humble family who depend on her husband's income to cover their monthly expenses. She is a nutritionist, and with her own effort and that of her husband, she has been able to buy products that are in great demand among the population, and these generate extra income for the family. They have 5 sons who are in school, with some of them working and economically helping their parents.

Maria Teresa is requesting a loan for her business, to buy a larger inventory of nutrition products, since this is an expensive type of merchandise. However, her customers have a high income level, and she is well-liked within this market. She hopes that a larger investment will bring her more income, which will improve her family's economic well-being.
View original language description ↓
La señora Maria Teresa S. R., tiene la edad de 36 años es casada y su esposo trabaja como albañil, ellos son una familia muy humilde, que cuenta son los ingresos de su esposo para sobrellevar los gastos mensuales, ella es nutricionista y con su esfuerzo propio y el de su esposo han comprado productos que tienen una buena demanda entre la población, y le generan ingresos extras a su familia, ellos tienen 5 hijos varones que estudian y algunos trabajan y apoyan económicamente a sus padres.

Es para su negocio, que solicita un préstamo para la compra de un mayor inventario de productos de nutrición, debido a que es mercadería de precios elevados, pero su clientela tiene un nivel económico alto y goza de bastante aceptación entre ese mercado, espera que una mayor inversión le traerá mejores ingresos que favorecerá al bienestar económico de su familia.

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
  • 66
    View loans »
    Nicaragua Loans Fundraising
  • $25,101,575
    Funds lent in using Kiva
  • 21.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Maria Teresa buying nutrition products to sell.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jul 20, 2010
Aug 4, 2010
Currency Exchange Loss:
Jul 15, 2011