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Ligia Maria
Ligia María is 25 years old, single, and without children. She is originally from León, which is located in the western part of the country. In her free time, she likes to have fun with her friends at the movie theater or doing some other healthy activity. Unfortunately, she couldn't go to college due to financial difficulties, but she would have liked to be some kind of professional. She was obliged from an early age to work helping her mother at her cheese shop.

Thanks to her spirit and her desire to get ahead, she has work in selling cheese. She became took over the business two years ago and is a street vendor. Ligia's daily routine includes working 8 hours a day offering her goods to customers (both new and regular). The business involves selling different types of cheese, including queso fresco ("fresh cheese"), queso quesillo ("soft cheese"), queso duro ("hard cheese"), queso asado ("grilled cheese"), and queso ahumado ("smoked cheese").

She needs this loan to invest in working capital and stock her business in order to raise her level of income in the not-to-distant future. Ligia María is thankful for the help that Kiva lenders offer those with limited resources and who live in poor countries such as Nicaragua so that they might have sources of legitimate work.
View original language description ↓

Ligia María de 25 años de edad, soltera, sin hijos, originaria de León Lugar que está ubicado en la zona de occidente del país. En sus ratos libre le gusta disfrutar con sus amigas en el cine siempre con alguna diversión sana. Lamentablemente no pudo cursar una carrera universitaria, por falta de recursos económicos. Por lo que se vio obligada a trabajar desde temprana edad ayudando a su mama con la venta de queso. Pero le hubiera gustado ser una profesional.
Gracia a su espíritu y sus ganas de salir adelante es que tiene por actividad económica la venta de queso, desde hace dos anos que se independizo con el negocio, y lo realiza de forma ambulante. La rutina diaria de Ligia es trabajar unas 8 horas diarias ofreciendo su producto a clientes fijos y eventuales. El negocio consiste en vender diferentes tipos de queso como: queso fresco, queso quesillo, queso duro, queso asado, queso ahumado. El crédito lo necesita para invertir en capital de trabajo y surtir su negocio. Para que en un futuro no muy lejano obtener mejores ingresos. Ligia María Agradece la ayuda que los inversionistas kiva le brindan a personas de escasos recursos y países pobre como es Nicaragua para tener fuentes de trabajo digno.

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).

About Nicaragua

  • $3,636
    Average annual income
  • 115
    View loans »
    Nicaragua Loans Fundraising
  • $23,731,525
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,000 helped Ligia Maria invest in working capital and stock her cheese shop with products such as queso fresco ("fresh cheese"), queso quesillo ("soft cheese"), queso duro ("hard cheese"), queso asado ("grilled cheese"), and queso ahumado ("smoked cheese").
99% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 5, 2013
Listed
Feb 6, 2013
Currency Exchange Loss:
Possible
Ended:
Jun 17, 2014