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Zilghian Julissa
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Zilghan is 29 years old and lives in the 380 neighborhood. She has two daughters who attend school. She is a single mother and has been forced to get ahead with her children. Zilghan owns a ciber cafe where she offers different services such as document scanning, copies and internet access among others. She has been doing well because her services are very popular with the young people in her area.

She started the business with four computers and now she wants to expand. The loan she is requesting will be used to purchase two computers and their accessories. This will allow her to offer a better service to her customers and increase her earnings. She hopes that with the income from this business she is able to provide an education and a good quality of life for her daughters.

Translated from Spanish by Libertad Leal, Kiva volunteer.

Zilghan tiene 29 años de edad, habita en el barrio 380 tiene dos hijas mujeres que están estudiando, es madre soltera y le ha tocado salir adelante con sus hijos. Zilghan tiene un caber café donde brinda los diferentes servicios de levantado de texto, copias, Internet, y otros. Esto le ha permitido mejoras ya que está muy solicitado por los jóvenes de su barrio. Inició su negocio con cuatro computadoras y ahora quiere crecer un poco más. Con el préstamo que esta solicitando es para la compra de dos computadoras y sus accesorios para brindar mejor servicio a sus clientes y así obtener más utilidades. Espera que este negocio pueda darle los ingresos para poder darles educación a sus hijas y también darles una buena calidad de vida

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
  • 70
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 19.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Zilghian Julissa to purchase two computers and accessories.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 17, 2008
Sep 3, 2008
Currency Exchange Loss:
Oct 15, 2009