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Bertha Adilia

Update on Bertha Adilia

Bertha has been selling clothing, cosmetics, and other items for many years, both in her house and on the street. With the help of her husband, who continues to work in construction, she is trying to make a living for herself and her children.

Bertha needs to invest in her business so she can offer variety to her customers. This will ensure daily sales so she can pay for the educational expenses of her children.

In the future, she hopes to begin to improve the infrastructure of her home in order to live in better conditions.
View original language description ↓
Doña Bertha, desde muchos años ha estado vendiendo ropa cosméticos entre otros en su casa y de manera ambulante, ella busca como salir adelante junto a sus hijos y con la ayuda de su esposo, quien continúa trabajando como albañil. Bertha necesita invertir en su negocio para ofrecer variedad a sus cliente de esa manera garantizar la venta del día para poder pagar los gastos de colegio de sus hijos, como planes futuro desea empezar a mejorar la infraestructura de su hogar para vivir en mejores condiciones.

Previous Loan Details

Doña Bertha is 40 years old. Her partner is a self employed construction worker, and they have three children. The oldest, who is 18 and already working, studies, and helps them.Their business is selling clothes, footwear, cosmetics and domestic appliances. She needs this fifth loan to stock ... More from Bertha Adilia'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
  • $25,420,300
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Bertha Adilia to buy clothing, perfume, and shoes.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
May 11, 2013
May 19, 2013
Currency Exchange Loss:
Dec 17, 2013