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Karla Patricia
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Karla lives in the Anexo el Riguero neighborhood. She is a 34-year-old married mother of four, high school age children. Her husband works as a taxi cab driver, and provides for the family. Ms. Karla O. owns a general store and sells cosmetics from home. She has been in business for 7 years. She got started with her own money. She had always dreamt of having her own business because she used to work at a restaurant from early in the morning to late in the evening, which was very exhausting. Now that she has achieved one of her goals, every day is a challenge for her to keep growing. With this loan that she is requesting, she will purchase staple grains, cosmetics, and fragrances.

Translated from Spanish by Elizabeth Casian, Kiva Volunteer.

Karla habita en el barrio Anexo el Riguero, tiene 34 años de edad, es casada, y tiene cuatros hijos que están estudiando en la secundaria, su esposo trabaja como cadete de taxi y lleva los alimentos para su familia, doña Karla tiene una pulpería y vende cosméticos en su hogar, tiene siete años de estar en las ventas, empezó con capital propios, ella siempre soñó con tener su propio negocio ya que antes trabajaba en un comedor, desde muy temprano hasta la noche y era muy cansado, ahora que logró uno de sus objetivos, cada día que pasa es un reto para seguir creciendo, con el dinero que esta solicitando es para invertir en capital de trabajo en la compra de granos básicos, cosméticos y perfumes.

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.

About Nicaragua

  • $4,800
    Average annual income
  • 102
    View loans »
    Nicaragua Loans Fundraising
  • $24,738,450
    Funds lent in using Kiva
  • 19.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Karla Patricia purchase fragrances and cosmetics.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 17, 2008
Sep 3, 2008
Currency Exchange Loss:
Aug 15, 2009