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Aquilina is an enterprising, kind, and determined woman with 2 school-age children. She is from Puerto Cabazas. Some 20 years ago, Aquilina established in her home a used-clothing business for men and women. She also has a beauty salon which she launched with her own capital.

Thanks to the income from her businesses, Aquilina is an independent woman who is educating her children through her own efforts. She still remembers the first stages of her business, when she rented the mirror and some accessories. Little by little, her business has been growing and at present, she can count on 5 workers who help her in the beauty salon.

Some 2 years ago, Aquilina also started a used clothing business in the Bilwi market, and she has hired a girl who helps her attend to customers there.

Now she is soliciting financing to purchase a bundle of men's pants, another of long-sleeved shirts and men's mixed clothing, and a bundle of skirts, capri pants, and blouses. She is buying these products in Managua to offer at accessible prices in Bilwi.

Aquilina's dream is to remodel the location of her beauty salon, and to purchase a hair drier and a hair iron, and to offer beauty products for sale. Also, to construct a tile floor for her home, which is presently made of earth.
View original language description ↓
Aquilina: Es una mujer emprendedora, amable y luchadora, con dos hijos en edad escolar; es originaria de Puerto Cabezas. Desde hace 20 años estableció en su vivienda el negocio de ropa usada para hombres y mujeres, también tiene un salón de belleza, que lo inició con capital propio. Gracias a los ingresos de sus negocios es una mujer independiente que está educando a sus hijos con sus propios esfuerzos. Aún permanece en su memoria las etapas iniciales de su negocio, que alquilaba el espejo y algunos accesorios. Poco a poco ha venido creciendo y actualmente cuenta con un personal de 5 personas que trabajan con ella en el salón de belleza. Hace dos años comenzó también con el negocio de ropa usada en el mercado de Bilwi en el cual también ha dado trabajo a una muchacha que le ayuda atender a los clientes. Actualmente solicita financiamiento para comprar una paca de pantalón para hombres, una paca de camisa manga larga y mixtas para hombres, una paca de faldas, capri y blusas. Los productos los compra en Managua, para ofertarlo a precios accesibles en Bilwi. Su sueño es remodelar el local del salón de belleza, equiparlo con una secadora y plancha de cabello, ofertar productos de belleza y construir con cerámica el piso de su vivienda que actualmente es de tierra.

Additional Information

About Pana Pana

Pana Pana is a nonprofit civil association founded in 1990 in Nicaragua. The organization’s official name is Asociacion para el Desarrollo de la Costa Atlantica (Association for the Development of the Atlantic Coast) but they have always been know as Pana Pana which means “mutual help” in the local language.

Pana Pana offers loans for commerce, housing, and a small number of agriculture loans. They also have a small social development unit that runs Pana Pana’s non-financial services. This includes technical assistance for housing loans and the development of a water and sanitation project.


About Nicaragua

  • $4,800
    Average annual income
  • 70
    View loans »
    Nicaragua Loans Fundraising
  • $25,049,000
    Funds lent in using Kiva
  • 25.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Aquilina to buy a bundle of men's pants, and a bundle of long-sleeved shirts, and another of mixed men's clothing, plus a bundle of skirts, capri pants and blouses to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 22, 2013
Dec 23, 2013
Currency Exchange Loss:
Jan 17, 2015