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Josefa
Josefa is a humble housewife who is 48 years old. She originates from the Atlantic Coast of Bluefields-Managua. She is married and the mother of 6 children who are older and live independently. Despite that she could not complete her schooling due to the economic situation that impeded her, she is a very hardworking woman involved in commerce.

She makes a living selling clothing and shoes, as well as tortillas. She has these businesses in her house. She began her work making tortillas for her family's consumption. Then, her neighbors in the community requested Josefa to sell them her tortillas. She decided to establish her business because she saw it as profitable. She used to generate daily earnings but now she makes a living not only selling tortillas but also clothing, in order to receive greater earnings for the house.

In her business she receives help from her daughters who help her to attend to the customers. Her husband has his own business; he is the owner of a bakery and contributes to the household expenses with other earnings.

Josefa is requesting the loan to buy clothing, shoes, perfumes and jewelry, etc. She states that this loan will be of help because she will be able to buy varied merchandise to invest her clothing business. This will increase her sales, generating greater earnings at the same time. She has future plans of making improvements to her house to have a better standard of living. Her next goal is is to be able to move her husband's bakery to the house to avoid the cost of paying rent for the space and be able to receive greater earnings for the family.
View original language description ↓
Doña Josefa una humilde ama de casa de 48 años de edad es originaria de la costa atlántica Bluefields- Managua, casada, madre de seis hijos mayores de edad, viven independientes, ella a pesar de ser una persona que no realizo estudios debido a que su situación económica se lo impidió es una mujer muy trabajadora de oficio comerciante se dedica a la venta de ropa y zapatos también vende tortillas negocios que tiene en su casa de habitación. Inicio su actividad echando tortillas para el consumo de la familia, luego los vecinos de la comunidad pedían a doña Josefa que les vendiera tortillas, ella decide establecer su negocio porque vio que era rentable, generaba ingresos diarios ahora no solo se dedica a la venta de tortillas pues también vende ropa para obtener más ganancias para el hogar, en su negocio recibe el apoyo de sus hijas que le ayudan a atender a los clientes.
Su esposo tiene su propio negocio pues es dueño de una panadería y aporta con los gastos del hogar como otros ingresos. Josefa solicita el crédito para comprar ropa, zapato, perfumes, bisutería, etc. Ella estima este préstamo será de ayuda porque podrá comprar mercadería variada para invertir en su negocio de ropa, incrementaran sus ventas, generando a la vez mas ganancias. Ella tiene como planes futuros hacerle mejora a su vivienda para tener mejores condiciones de vida, sus metas próximas es poder trasladar la panadería de su esposo a su casa para evitar los gastos de pagar alquiler del local y poder obtener mejores ingresos para la familia.

About Nicaragua

  • $3,636
    Average annual income
  • 75
    View loans »
    Nicaragua Loans Fundraising
  • $23,621,150
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Josefa to buy clothing, shoes, perfumes and jewelry, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 10, 2012
Listed
Jul 21, 2012
Currency Exchange Loss:
N/A
Ended:
Feb 15, 2013