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Isabel Cristina

Update on Isabel Cristina

Isabel is opting for her 6th Afodenic loan to continue investing in her business selling cosmetics on order via catalogue and from home too. She will use this loan to buy perfume and assorted clothes for women and men. She has five years’ experience in this type of business and sometimes sales are good and others they are bad but she helps herself out with her steady salary as a preschool cook; it’s poorly paid but she is able to provide her children with daily sustenance and pay their school costs so that they can develop and obtain their profession.
View original language description ↓
Doña Isabel está optando a su sexto crédito con Afodenic para seguir invirtiendo en su negocio la venta de cosméticos por catálogos por encargo y en su casa también, con este préstamo comprara perfumes, ropa variada de damas y caballeros ella tiene 5 años de experiencia con este tipo de negocio que a veces las ventas son buenas y otras malas pero se ayuda bastante con su ingreso fijo que es el de su labor como cocinera en un preescolar, poco remunerado pero de esa manera ella le brinda a sus hijos lo necesario para el sustento diario y los gastos de la escuela para que ellos se desarrollen y obtengan su profesión.

Previous Loan Details

Isabel has two jobs. She is a cook at a school. She also sells clothing and cosmetics and she is able to attract customers at her job. This work has been helping her to have a fixed income and varied sales. She is a single mother to three school age children. Her funding has been use for maintai... More from Isabel Cristina's previous loan »

Additional Information


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.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,406,150
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Isabel Cristina to buy perfume and assorted clothes for women and men.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 27, 2012
Dec 4, 2012
Currency Exchange Loss:
Jan 18, 2014