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Gricelda De La Cruz
Gricelda has been a merchant for three years, selling homemade drinks. She is married, and her husband is an auto repair mechanic. She has three children, and her main goal is for her children to be professionals. She and her husband work hard to offer their family the best that they can offer. She has encountered difficulties in her business, such as high prices and the low sales that they produce. She started off selling ice cream, and she now sells drinks to help with the household costs. This year, she wants to achieve an increase in her income with a greater variety of drinks, and also start selling desserts. Her home is humble and needs improvements. She will use the loan for the purchase of construction materials such as: cement, sand, stone, iron, steel nails, blocks and timber for the construction of some walls. This loan will promote the improvement of her life as she will obtain security and protection.
View original language description ↓
Gricelda se dedica al comercio desde hace tres año en la venta de refrescos caseros, casada, su esposo trabaja como mecánico automotriz, tiene tres hijos, como objetivo principal es que sus hijos sean unos profesionales. Trabajan fuertemente para ofrecerle a sus familia lo mejor dentro de sus posibilidades. En el negocio ha encontrado dificultades como el costo de los precios y la baja que provoca en las ventas. Inicio vendiendo helados y para ayudarse con los gastos de la casa ahora vende refrescos. Para este año quiere lograr aumentar sus ingresos con mayores variedades de refresco agregando repostería.
Su vivienda es humilde y requiere de mejoras. El préstamo lo utilizara para la compra de materiales de construcción como: cemento, arena, piedrines, hierro, clavos de acero, goloso, bloques, perlines para la construcción de unos de los muros. Estaremos fomentando al desarrollo del mejoramiento de vida ya que obtendrá seguridad y protección.

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

  • $3,636
    Average annual income
  • 123
    View loans »
    Nicaragua Loans Fundraising
  • $24,036,450
    Funds lent in using Kiva
  • 21.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Gricelda De La Cruz the purchase of construction materials.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 22, 2010
Feb 1, 2011
Currency Exchange Loss:
Oct 15, 2011