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Nolvia Cecilia
Nolvia has always worked as a packager in duty free region. This is the only way that they are able to improve the administration of the household expenses. Her husband works as an agricultural engineer. Their two children are growing and they attend school.

Currently Nolvia has become an Avon representative in order to generate another source of income to improve the condition of their home. She sells cosmetics, clothing, and shoes to her work colleagues, as well as from her house. She takes orders and she has merchandise in stock as well. Her goal is to increase her sales.

They have also made some home improvements, adding new bedroom divisions, and she also managed to finish building the front wall with the help of four past loans from Afodenic (Kiva Field Partner). This has proven to be a great benefit for the well-being of the family. She will invest this loan in the purchase of new clothing for ladies, men, and children, and to purchase shoes and cosmetics in larger quantities. She will also fill the orders placed by her clients. She will continue one with her small business and she hopes to strengthen it in the near future.
View original language description ↓
Doña Nolvia siempre en su trabajo como empacadora en zona franca, pues solo asi, pueden tener una mejor administracion con los gastos del hogar. Su esposo desempeñandose como ingeniero agronomo, y sus dos hijos creciendo y cursando el años escolar.
Hoy en dia, Nolvia, se afilio a la Avon, para lograr tener otros ingresos que le ayude a mejorar la condicion de su hogar, vende cosmeticos, ropa, zapatos, a sus compañeros de trabajo como en su casa, por encargo y mantiene productos, ya que su meta es crecer en ventas.
Tanbien ah hecho mejoras a su casa, mejoro las divisiones del cuarto, logro terminar el muro frontal, con finnaciamiento que Afodenic, ha dado en cuatro ciclos, lo que es de gran beneficios para el bienestar de la familia.
Lo que invertira con este prestamo es en ropa nueva de dama, varones, niños, zapatos y cosmeticos, en mayor cantidad, asi como cumplir con los encargos de sus clientes. Y seguir con su pequeño negocio, que espera poder fortalecer en corto plazo.

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
  • 125
    View loans »
    Nicaragua Loans Fundraising
  • $24,597,675
    Funds lent in using Kiva
  • 22.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Nolvia Cecilia to purchase a variety of clothing, shoes, and cosmetics.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 13, 2011
Oct 17, 2011
Currency Exchange Loss:
Nov 15, 2012