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Heydi Patricia

Update on Heydi Patricia

Heydi is 36 years old. She’s a widow and a single mother and the situation has been difficult for her and her two year old daughter, but as an optimistic woman she manages to get ahead. She is an Agro-lawyer, but due to lack of opportunity in her country, she has dedicated herself to selling lubricants and running a car wash in order to cover her expenses and those of those who work for her. For Heydi, this business is the basis for her finances. Her customers like the good service she provides because they care for the vehicle and it’s engine. Her desire for the future is to have an intimate apparel store for women and sell perfumes. She will use the money from this loan to buy cases of motor oil, brake fluid, and items for the car wash, among other things.
View original language description ↓
Heydi de 36 años, es madre soltera viuda para ella fue una situación muy difícil que le ha tocado vivir con su única hija de 2 años, pero como toda una mujer optimista sale adelante, es licenciada en agro negocios, por la falta de empleo en el país se ha dedicado al negocio de venta de lubricantes y auto lavado lo que le ha ayudado a cubrir sus gastos y el de las personas que le trabajan como ayudante, para Heydi este negocio es la base de su vida económica, a sus clientes les gusta el buen servicio que les ofrece ya que cuidan de su vehículo y motor, su deseo para el futuro es tener una tienda de ropa intima para mujeres y vender perfumes. Con el crédito solicitado comprara cajas de aceite para vehículos, líquido de freno, artículos para el lavado de vehículo entre otros.

Previous Loan Details

Heydi still has her car wash service, which she has had for eight years and started with her parent's support while she was working at a diner. This has provided her with the advantage of having her business in the diner's parking area, making it easier to have clients. She's married with one son... More from Heydi Patricia'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
  • 133
    View loans »
    Nicaragua Loans Fundraising
  • $24,566,075
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Heydi Patricia to buy supplies.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 14, 2013
Feb 20, 2013
Currency Exchange Loss:
Mar 17, 2014