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Heyssel Lissette
Heyssel E. L. is a young, 20-year-old single mother who hails from Bluefields. She has a two-year-old son. For the past two years, Heyssel has owned a local store, where she sells grains, sodas, and various other products that allow her to provide for herself and her son.


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).

View original language description ↓
La joven madre Heyssel E. L. tiene 20 años de edad, es madre soltera originaria de la ciudad de Bluefields, con un hijo el cual tiene dos años de edad, desde hace dos años es dueña de una pulpería en donde vende granos básicos, gaseosas y productos varios que le permiten poder mantenerse a ella y su hijo.

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.

Additional Information

Important Information

Please 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.

About Nicaragua

  • $3,636
    Average annual income
  • 172
    View loans »
    Nicaragua Loans Fundraising
  • $23,230,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $625 helped Heyssel Lissette buy eggs, rice, flour, oil, milk and soups.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Oct 20, 2008
Listed
Oct 6, 2008
Currency Exchange Loss:
N/A
Ended:
Nov 30, 2009