Arlen Nicolasa T. P. is a 55 year old micro-business woman. She is a single mother of three children, all of whom are adults. This micro-business woman has operated a restaurant for many years. At first she only sold fried foods (sliced plantains with pork). Little by little she began to offer more types of food.
Presently this restaurant is one of the more frequented ones in the city of Bluefields. With the income from this business she has been able to get her children ahead and two of them have finished college.
Mrs. T. is an active member of the Verbo church in this city of Bluefields. She is asking to be financed to by a chicken fryer which will allow her to offer faster and higher quality service to her customers.
La microempresaria: Arlen Nicolasa T. P. tiene 55 años de edad, es madre soltera tiene tres hijos todos adultos. Esta microempresaria se dedica a administrar un comedor desde hace muchos años. Inicialmente solo vendía fritos (tajada de plátanos con carne de cerdo) y poco a poco fue ofertando más tipos de comidas.
Actualmente este comedor es uno de los mas visitados en la ciudad de Bluefields y con los ingresos de este negocio ha podido sacar adelante a sus hijos los cuales dos han terminado sus estudios universitarios.
La señora T. es miembro activo de la iglesia Verbo en esta ciudad de Bluefields por lo que esta solicitando se le financie para comprar una freidora de pollo la cual le permitirá dar un mejor servicio en calidad y rapidez a sus clientes.
Esta freidora tiene un valor de US 1,000.00 dólares americanos.
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.