Martha is a merchant. She is married and has two children. She has a small business selling clothing, cosmetics and other accessories. She started this business to help her husband with household expenses. She affiliated herself with Avon and started out with her own money, offering products via catalog. She then started introducing more products and variety with the help of loans from Kiva partner Afodenic, and she has had four loan cycles. With this new loan she plans to purchase undergarments, women's clothing and cosmetics like perfumes, creams and lotions, makeup and lipstick, as well as earring and bracelets. Martha is hoping to increase her sales and thus increase her profits.
Doña Marha es comerciante, casada y madre de dos hijos, cuenta con su pequeño negocio de ropa, cosmetico y otros accesorios.
Inicio este negocio con el fin de apoyar a su esposo con los gastos del hogar, lo que comienza afiliandose a la Avon y con dinero propio, lo que comienza a ofertar sus productos por catalogos. Luego para introducir mas productos, y variedad lo hace con financiamientos en Afodenic, en donde lleva cuatro ciclos trabajando.
Hoy con este nuevo prestamo sera para la compra de ropa interior, ropa de dama, y cosmeticos perfumes, cremas, losion, vanidad, maquillaje, pinturas de labios a si como la compra de chapas, pulseras de fantasias. Logrando aumentar las ventas,y logrando mejores ganancias.
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.