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Lilliam Maria

Update on Lilliam Maria

Lilliam María, 29, is a single mother who takes care of her 12-year-old daughter. Lilliam lives in the city of Chichigalpa, located in the western part of the country. Chichigalpa is very beautiful, and its people are warm and accommodating. The city is surrounded by volcanos and natural beauty, and the area produces a lot of sugar cane. Lilliam has three years of experience selling general merchandise as a street vendor and offering in-home laundry and ironing service. She started the business because she needed to make a living and support her daughter, as she is a single mother. She began buying clothing to resell and slowly built a client base through much effort and tenacity.

Lillian's workday lasts 10 hours. She gets up early every morning to fill the bags of merchandise she will deliver on foot to regular and potential customers. Her routine is hard, given the intensity of the sun and the weight of her bags of merchandise, but that doesn't keep her from working because she wants to achieve her dreams. What she wishes for most is to see her daughter pursue a profession. She thanks the Kiva lenders for the help they offer low-income people to have a decent life in poor countries such as Nicaragua.
View original language description ↓
Lilliam María de 29 anos de edad, madre soltera con una hija de 12 anos bajo su responsabilidad, Lilliam pertenece al municipio de chichigalpa, el cual esta ubicado en el occidente del país, un chichigalpa es un municipio muy bonito, con gente acogedora, servicial, esta rodeado de volcanes, naturaleza pura, y muy productivo en cana de azúcar. Lilliam tiene por actividad económica la venta de mercadería en general, tiene tres anos de experiencia en el negocio, el cual distribuye de forma ambulante, y da servicio de lavado y planchado a domicilio. El negocio surgió por la necesidad de tener un medio para vivir y poder mantener a su pequeña ya que es madre soltera. Esta iniciativa de trabajo la inicio con los créditos que fundación le brindaba y comenzó a invertir en venta de ropa y poco a poco fue ganando clientela, debido a su esfuerzo, tenacidad, responsabilidad. La rutina diaria de Lilliam es de 10 horas diarias día a día, ella se levanta temprano todos los días, y carga su mercadería en bolsos la cual distribuye de forma ambulante a clientes fijos y eventuales, su rutina es dura bajo el intenso sol el pesos de los bolsos con la mercadería, pero eso no le impide seguir trabajando porque quiere logara su sueños mas anhelado como es formar profesionalmente a su pequeña hija. Motivo por el cual agrade a los inversionistas kiva la ayuda que les prestan a personas de escasos recursos y de países pobre como es Nicaragua para tener un medio de vida digno.

Previous Loan Details

Lilliam Maria sells general merchandise. She has over five years of experience of dealing with her customers every day. She started when she separated from her husband. She had to work to support her 11 year old daughter. In spite of the fact that in the beginning it was not easy, she has m... More from Lilliam Maria's previous loan »

Additional Information

Fundación Leon 2000

This loan is administered by Fundación Leon 2000. Fundación Leon 2000 began operations in 1993 as the first microfinance institution to serve the western part of Nicaragua, a country which continues to be one of the poorest in the western hemisphere. Fundación Leon 2000 works to further the development of micro, small, and medium enterprises through credit services and management, applying the best credit industry practices and technical expertise. Additionally, Fundación Leon manages several business and financial education programs in the community, specifically for young entrepreneurs and at-risk youth. Fundación Leon 2000’s group of experienced and dedicated employees works in 7 offices in Leon, Chinandega, Chichigalpa, Somotillo, Jinotepe, El Sauce, and Nagarote and serves several thousand clients (the majority of whom are women).

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Nicaragua

  • $4,800
    Average annual income
  • 66
    View loans »
    Nicaragua Loans Fundraising
  • $25,101,575
    Funds lent in using Kiva
  • 23.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Lilliam Maria to buy merchandise such as clothing for adults and children.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 6, 2012
Sep 19, 2012
Currency Exchange Loss:
Oct 17, 2013