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Osmara Carolina
Osmara is a friendly woman and originally from Puerto Cabezas. She is 28 years old and married. In order to have her own source of income, three years ago Osmara started her own little grocery store with her own capital. In the beginning, Osmara sold just basic grains and dairy products. Thanks to her income and her first loan from "Pana Pana" a year ago, however, her business has grown and Osmara has bought a fridge and built an extension on her house, thus expanding the grocery store.

Osmara is applying for her second loan in order to buy stock for her business and improve her income; Osmara will buy:twelve bags of dairy products, toilet rolls, sanitary towels, soap, basic grains, instant coffee, bath soaps and soaps for washing clothes, cold meats, chicken, ground meat, fizzy drinks and water.
View original language description ↓
Es una mujer amable, originaria de Puerto Cabezas, tiene 28 años de edad, casada. Con el propósito de contar con su propia fuente de ingresos, desde hace 3 años estableció con capital propio una pequeña pulpería, en la cual inicio ofertando granos básicos y chiverías. Gracias a los ingresos percibidos y al primer financiamiento otorgado por PANA PANA hace 1 año, le han permitido crecer en su negocio, comprar una mantenedora y construir un anexo de concreto en su vivienda, expandiendo su negocio de pulpería. Solicita su segundo financiamiento para comprar inventario para su negocio y mejorar sus ingresos: 12 bolsones de chivería, un bolsón de papel higiénico, toallas sanitarias, sopas instantáneas, granos básicos, café instantáneo, jabones de baño y de lavar ropa, embutidos, pollo, carne molida, gaseosas, jugos y agua purificada. Su sueño es ir creciendo y en futuro establecer una abarrotería.

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.

Tags

About Nicaragua

  • $3,636
    Average annual income
  • 101
    View loans »
    Nicaragua Loans Fundraising
  • $24,397,050
    Funds lent in using Kiva
  • 25.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Osmara Carolina to buy stock for her business and improve her income; Osmara will buy:twelve bags of dairy products, toilet rolls, sanitary towels, soap, basic grains, instant coffee, bath soaps and soaps for washing clothes, cold meats, chicken, ground meat, fizzy drinks and water.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 15, 2014
Listed
Mar 22, 2014
Currency Exchange Loss:
Possible
Ended:
Feb 20, 2015