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This is a happy, 46-year-old woman. She is married and has six children, three of whom are grown up and independent and three of whom are still in school. For the past five years she has had a business selling new clothes at a post she rents at the municipal market in Puerta Cabezas. She started the business with her own capital and a portion of a group loan from Pana Pana. With the goal of increasing her inventory, she is requesting her first individual loan to purchase merchandise in Managua, such as linens, men's pants, shorts, T-shirts, undergarments, and women's and children's shoes. Her dream is to expand her business.
View original language description ↓
Es una señora alegre, tiene 46 años de edad, casada, tiene 6 hijos, de los cuales 3 son mayores de edad e independientes y 3 adolescentes que estudian su primaria. Desde hace 5 años estableció su negocio de ropa nueva, en un tramo que alquila en el mercado municipal de Puerta Cabezas, inicio con capital propio y con un primer financiamiento que le otorgó PANA PANA en la modalidad de grupo solidario. Con el objetivo de incrementar su inventario, solicita su primer financiamiento en la modalidad de crédito individual, para comprar mercadería en Managua: ropa de cama, pantalones para varones, shorts, camisetas, ropa interior para hombres y mujeres y zapatos para niños y mujeres. Su sueño es ampliar su negocio.

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
  • 62
    View loans »
    Nicaragua Loans Fundraising
  • $25,382,700
    Funds lent in using Kiva
  • 25.7
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $725 helped Marjory to buy merchandise in Managua, such as linens, men's pants, shorts, T-shirts, undergarments, and women's and children's shoes.
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 30, 2014
Jun 9, 2014
Currency Exchange Loss:
Jul 9, 2014