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Ana Maria
Ana Maria sells clothes and cosmetics, and she has been in sales for 14 years. She is a single mother, and she has two grown children. They help her financially. She makes her sales at a market in the capital. She rents a unit, and she has managed to get customers because of her variety and fashion for young people.

She has been working with the institution for four cycles. During that time she has increased her capital, her sales, and her profits. She is very happy about her growth because she has her payment commitments and her personal expenses.

With this new loan she will buy men’s and women’s pants, shorts, shirts, blouses, camisoles, skirts, and dresses by the dozens. She orders this merchandise in Guatemala as she can make her purchases for a better price there. This gives her customers accessible prices.
View original language description ↓
Doña Ana Meria, se dedica al comercio de venta de ropa y cosmeticos, con catorce años en las ventas. es madre soltera con dos hijos mayores de los cuales cuenta con el apoyo economico.
Sus ventas las realiza en un mercado de la capital, en donde alquila un modulo, ha logrado la captacion de clientes, por su variedad y moda de jovenes.
Lleva cuatro ciclos trabajando con la institucion en donde ha aumentado su capital, sus ventas, y sus utilidades. El cual esta sastifecha por su crecimiento ya que tiene sus compromisos de pago, como sus gastos personales.
Con este nuevo prestamo comprara: pantalones de hombre y mujer, shorth, camisas, blusas, camisola, faldas, vestidos, en docenas, esta mercaderia hace el pedido en Guatemala, siendo sus compras mas favorables al comprar a mejor precio, dando a precios accesibles a sus clientes.

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
  • 109
    View loans »
    Nicaragua Loans Fundraising
  • $24,828,400
    Funds lent in using Kiva
  • 22.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Ana Maria to buy various women's and men's clothes in order for her sales to continue growing.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Sep 10, 2011
Sep 21, 2011
Currency Exchange Loss:
May 17, 2013