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Oswaldo Rafael
Oswaldo, 38, is from Masaya. He’s married and has two children whose ages are 8 and 12 years respectively. He’s a merchant. He’s been selling charcoal and used clothes for three years.

He started his business selling vegetables but it wasn’t very profitable because quite a bit of the products spoiled. He decided to change his line of work and he currently sells charcoal and clothes which are more durable products.

This new business has opened doors and his standard of living is changing and his business is stable to date. His family helps him with the business.

Oswaldo sells his products in a market in the capital. He’d like to obtain another locale in the same sector to make his products known. He wants to improve the business’ conditions so that it will be attractive to customers which will lead to higher profits and will improve his and his family’s standard of living.

He has requested this loan to buy charcoal and used clothes. One of his next goals is to make some home improvements and to buy a new market space to separate the charcoal sales from the clothing sales since he currently sells both in the same space and he’s like to make each one independent from the other.
View original language description ↓
Oswaldo de 38 años de edad, originario de Masaya, casado, tiene 2 hijos entre las edades de 8-12 años respectivamente, el es comerciante se dedica a vender carbón y ropa usada desde hace 3 años, inicio su negocio vendiendo verduras pero le resultaba poco rentable por que perdía bastante producto, entonces decidió cambiar el giro de su negocio y actualmente se dedica a la venta de carbón y ropa productos que tienen mas durabilidad, este nuevo negocio le ha abierto puertas ya que su nivel de vida ha cambiado y su negocio hasta hoy es estable. En este negocio recibe el apoyo de su familia, Oswaldo comercializa su producto en un mercado capitalino, a el le gustaría obtener otro local en el mismo sector y dar a conocer su producto. Quiere mejorar las condiciones del negocio para que de buen aspecto a los clientes y esto traerá consigo más ganancias y mejorara su nivel de vida y el de su familia.
El ha solicitado este crédito para comprar carbón, ropa usada. Una de sus metas próximas es mejorar su vivienda y comprar un nuevo tramo para separar el negocio de la ropa del carbón ya que los comercializa en un mismo local y le gustaría tener un local independiente para cada uno.

About Nicaragua

  • $3,636
    Average annual income
  • 74
    View loans »
    Nicaragua Loans Fundraising
  • $23,416,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $875 helped Oswaldo Rafael to buy charcoal and used clothes.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 14, 2012
Listed
Aug 29, 2012
Currency Exchange Loss:
N/A
Ended:
Sep 17, 2013