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Gema Mylu
Gema is a young woman of 26. She is married and has three children. She currently works as a receptionist and sells cosmetics. She has been in this business for four years, taking advantage of her work to make sales with her catalogs. She sells Avon products and other products which are affordable and good quality. She started out with only a few products and has increased her inventory with Afodenic's help.

Gema will invest this new loan in buying cosmetics to increase her sales levels and support her family as everything costs a lot and she has to cover food, medicine and clothing costs. She works hard and takes great care in doing all this because of her love for her family.
View original language description ↓
Gema es una joven de 26 años de edad, casada, madre de tres hijo, hoy en día trabaja como recepcionista, y venta de cosméticos en donde lleva cuatro años en este negocio, aprovechando su medio de trabajo para sus ventas en donde vende por catálogos productos Avon, a si como productos variados para ofertar, ya que son accesibles, y de buena calidad.
Iniciando con pocos productos, y aumentando su inventario atreves de Afodenic.
Con este nuevo préstamo será invertido en productos de cosmético para aumentar los niveles de venta, y lograr a poyar a su familia, ya que todo está ah altos costos y tiene que cubrir alimentación, medicina, vestimenta el cual se esfuerza y esmera por amor a 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
  • 70
    View loans »
    Nicaragua Loans Fundraising
  • $25,049,000
    Funds lent in using Kiva
  • 21.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Gema Mylu to invest in buying ladies' and men's cosmetics so that she can improve her sales and profits.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Dec 31, 2010
Feb 1, 2011
Currency Exchange Loss:
Oct 15, 2011