Still, she doesn't have enough money to diversify the products she sells, and sometimes she loses clients because she doesn't have what they are looking for. This is why she needs this loan to buy the following: three boxes of eggs ($40 per box), 92 kilos of rice ($47 for 46 kilos), 92 kilos of flour ($49 for 46 kilos), 2 barrels of oil ($32 per barrel), 3 boxes of La Lechera milk ($50 per box), 5 dozen Maggi soupls ($3 per dozen), and 3 boxes of laundry detergent ($12 per box).
Sin embargo no cuenta con suficiente capital para poder diversificar con más productos su negocio por lo que en ocasiones pierde clientes por no contar con variedad de productos. Por esta razón la joven microempresaria requiere de financiamiento para poder comprar lo siguiente:
3 Cajillas de huevos a US$ 40 dólares cada cajilla, 2 quintales de arroz americano a US$ 47 dólares cada quintal, 2 quintales de azúcar a US$ 24 dólares cada quintal, 2 quintales de harina a US$ 49 dólares cada quintal, 2 bidones de aceite a US$ 32 dólares cada bidón, 3 cajas de leche la lechera a US$ 50 dólares cada caja, 5 docenas de sopa magui a US$ 3 dólares cada docena y 3 cajas de jabón de lavar ropa a US$ 12 dólares cada caja.
Important InformationPlease note that Kiva considers loans from this Field Partner, ADEPHCA, to be particularly high risk. This organization is very small and started working with Kiva before certain core risk and due diligence policies were put into place. ADEPHCA organization would not fit under Kiva’s current partnerships criteria because they do not have any audited financial statements, they do not have established internal controls, and they currently have no other sources of funding than Kiva. Kiva continues to allow ADEPHCA to raise funds on the website for two reasons. First, if Kiva were to abruptly end the partnership we believe there would be a higher risk of loss for lenders, since cutting off the Kiva funding source would put ADEPHCA in a financially distressed position. In addition, since ADEPHCA provides loans in some of the poorest and most remote areas of Nicaragua where there are almost no other options for funding, we believe these loans could still be of interest to lenders even considering the increased risk.
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