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Alba Luz
Alba Luz is a young woman from Waspam. She's 25 years old, and married with two school-age children. With the goal of having her own source of income, she started a small general store in her home about five years ago. Thanks to her net income and from previous PANA PANA loans, she has been able to buy a site in the city market. She is requesting this loan so that she can buy merchandise in Managua and sell it at reasonable prices back home in Waspam. She dreams of having a home made out of concrete.
View original language description ↓
Alba Luz: Es una joven originaria de Waspam, tiene 25 años, casada con 2 hijos en edad escolar. Con el objetivo de tener su propia fuente de ingresos, desde hace 5 años estableció una pequeña pulpería en su vivienda. Gracias a las ganancias percibidas y a los créditos anteriores otorgados por PANA PANA, le han permitido comprar un local en el mercado municipal. Solicita financiamiento para comprar mercadería en Managua y venderla a precios accesibles en el Municipio de Waspam. Su sueño es tener una vivienda de concreto.

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
  • 95
    View loans »
    Nicaragua Loans Fundraising
  • $24,749,225
    Funds lent in using Kiva
  • 26.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Alba Luz buy merchandise in Managua for resale.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 24, 2014
Jun 30, 2014
Currency Exchange Loss:
May 17, 2015