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Zilghian Julisa
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Zilgian is a 29 years old entrepreneur who lives in the 3-80 neighborhood. This young woman, eager to start her own business, decided to start a family business with her sister, using the capital they were able to accrue by saving part of their salaries. The sisters identified the opportunity of opening an Internet café at their mother’s house, as there were no other competitor businesses in the area. They have run the business for three years and they offer a variety of services, which have diversified as their clientele grows. The small business has five web access computers, a photocopier and two phone cabins for international and local calls. In order to increase their income, they plan to acquire a greater number of computers, a spiral binding machine and a scanner. But Zligian’s priority at present is to renovate and repaint the store, in order to improve its appearance. The income from the business has allowed this family to improve their living conditions. The sisters are very satisfied with what they have accomplished together in spite of their young age.

Translated from Spanish by Leticia Britos, Kiva Volunteer.


Zilgian es una joven microempresaria de 29 años de edad, habita en el barrio 3-80. Esta joven deseosa de iniciar su propio negocio decide junto a su hermana de 21 años emprender un negocio familiar, con capital propio, ya que siempre han ahorrado parte de los ingresos que percibían de su trabajo. Las hermanas vieron la necesidad de montar un Cyber Café en la vivienda de su madre, ya que en esa zona no existe ningún Cyber que le pueda generar competencia. El negocio ya tiene tres años de existencia, y ofrece una variedad de servicios, los cuales se han ido diversificando a medida que va aumentando el número de clientes. El negocio es pequeño y cuenta con cinco computadoras con servicio de Internet, una fotocopiadora y dos cabinas para realizar llamadas nacionales e internacionales. Las expectativas de estas jóvenes son las de adquirir un mayor número de máquinas, comprar una encolochadora y un escáner, de modo de aumentar sus ganancias. La prioridad de Zligian en estos momentos es la remodelar las paredes del local y pintarlo, dando así una mejor presentación al negocio. Los ingresos del negocio le han permitido a esta familia mejorar su nivel de vida y vivir en condiciones dignas. Las hermanas se sienten satisfechas con lo que juntas han logrado, a pesar de su corta edad.

Additional Information

About AFODENIC

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
  • 95
    View loans »
    Nicaragua Loans Fundraising
  • $24,753,075
    Funds lent in using Kiva
  • 18.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Zilghian Julisa purchase of cement, sand, iron, stone and paint.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Mar 18, 2008
Listed
Mar 4, 2008
Currency Exchange Loss:
Covered
Ended:
Sep 8, 2008