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Esmelda Beatriz
Esmelda is 39 years old and is a resident of the city of Managua. Her job is a storekeeper; she works selling tortillas and beans, and has a small general store. She is the mother of three children, ages 19, 15, and 3 years respectively, of whom her older daughter is about to start college and the 15 year-old boy is studying in high school.

She began selling perfumes and cosmetics as a mobile vendor; she went out to sell in the streets, selling from house to house. Later, she added the sales of tortillas and cooked beans. Currently, from the business selling beans and tortillas came the idea of putting in a mini general store, which her oldest daughter attends while she sells various beans and merchandise. In this way, she maintains her family and the household expenses.

She is requesting the loan in order to purchase corn, beans, cosmetics, rice, sugar, oil, cleaning products, matches, toilet paper, canned products, etc. With the investment, she will be able to stock her store with more products and improve her sales, as she is saving part of her earnings for her children’s schooling.

She is a woman with a great desire to overcome; she hopes to diversify her business. One of her projects is to start selling confections made by herself, and to add clothing sales, in this way obtaining other forms of income.
View original language description ↓
Esmelda, de 39 años de edad, habitante de la ciudad de Managua, de oficio comerciante se dedica a la venta de tortillas, frijoles y una mini pulpería, es madre de tres hijos de 19, 14 5y 3 años de edad respectivamente , de los cuales su hija mayor está por iniciar la universidad y el varón de 15 años está estudiando la secundaria. Inicio vendiendo perfumes y cosméticos de manera ambulante, salía a vender a las calles vendiendo de casa en casa. Después agrego la venta de tortillas y frijoles cocidos. Actualmente del negocio de venta de frijoles y tortillas surgió la idea de poner una mini pulpería la cual su hija mayor atiende mientras ella vender frijoles y mercadería variada de esta manera mantiene a su familia y los gastos del hogar.
Está solicitando el financiamiento para comprar maíz, frijoles, cosméticos, arroz, azúcar, aceite, productos de limpieza, fósforos, papel higiénico, productos enlatados etc. Pues con la inversión lograr surtir de más productos su pulpería y mejorar las ventas pues parte de la ganancia la está ahorrando para los estudios de sus hijos. Ella es una mujer con muchos desea de superación la cual desea diversificar su negocio uno de sus proyectos es poner venta repostería hecha por ella misma y agregar la venta de ropa. De esta manera conseguir otras formas de ingresos.

About Nicaragua

  • $4,800
    Average annual income
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $475 helped Esmelda Beatriz to purchase corn, beans, cosmetics, rice, sugar, and oil.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 27, 2012
Listed
Dec 1, 2012
Currency Exchange Loss:
N/A
Ended:
Oct 18, 2013