Update on Esmelda BeatrizEsmerelda is a woman of 41 years who is married and the mother of three children still under her care. It has been two years since she began her own business, in which she sells different products for pleasure and the feeding of the family. Thanks to the first loan through KIVA_MICREDITO she managed to buy products such as rice, beans, sugar, oil, cleaning supplies, matches, and canned goods, as well as personal use items such as 92.5% silver jewelry and cosmetics. Actually, she wants to again request another loan to buy shoes, hats, 92.5% silver jewelry, cosmetics and rain cloaks, among other products.
She hopes that this loan will be of great help to her so that she will be able to grow her business, support her family and increase her profits. Her next step is to expand her business in order to become an important distributor of basic goods, personal use items and toiletries.
entre otro productos, también productos uso personales como prendas de plata 925 y cosméticos. Actualmente ella desea realizar nuevamente otro préstamo para la compra de zapatos, sombrillas, prendas de plata 925, cosméticos, capotes para cubrirse la lluvia entre otros producto. Estimando que el préstamo le será de gran ayuda ya que lograra crecer su negocio, sostener a su familia y obtener mayores ganancias. Su siguiente paso es ampliar mas su negocio para lograr llegar a ser una gran distribuidora de productos basicos, uso personal y de aseo.
Previous Loan DetailsEsmelda is 39 years old and is a resident of the city of Managua. Her job is a storekeeper; she works selling tortillas and beans, and has a small general store. She is the mother of three children, ages 19, 15, and 3 years respectively, of whom her older daughter is about to start college and the… More from Esmelda Beatriz's previous loan »
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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