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Julia Nora
Julia is a small merchant. She started out working several years ago to support her family. She has had a grocery store for eight years. She started to invest and this led to her acquiring a steady customer base. Her husband helps her by selling ice cream and doing hauling. Together they’ve managed to build their concrete house.

To expand her inventory she is requesting a loan to buy more products thus reaching her goal.

Today, with this new loan, she will buy four quintals of rice, beans, sugar, a large jug of oil, a case of soap and corn among other products like: glue, earrings, lipsticks and hair clips among others to generate higher profits.
View original language description ↓
Julia es una pequeña comerciante, que inicio hace varios años a trabajar para apoyar a su familia. Tiene una pulpería con ochos años en ventas, comenzó ah invertir lo que logro el objetivo de atracción de clientela.
Su esposo la apoya quien es vendedor de eskimo y acarreo, juntos han logrado ir construyendo su vivienda de concreto.
Para la ampliación de su inventario, recurre al financiamiento y logra comprar más productos de consumo, logrando el objetivo.
Hoy con este nuevo préstamo invertirá en cuatro quintales de arroz, frijoles, azúcar, bidón de aceite, caja de jabón, maíz, entre otros productos como: cola, aro, brillo de labios, trabas entre otros para generar mejores utilidades.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,406,150
    Funds lent in using Kiva
  • 21.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Julia Nora she will buy rice, beans, sugar, corn, a large jug of oil and costume trinkets to increase sales.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 31, 2010
Feb 1, 2011
Currency Exchange Loss:
Feb 15, 2012