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Celsa Kiora
Celsa Kiora is an adult single mother with three children who are minors and still under her care. She is from one of the northern municipalities of Chinandega, located in the west of the country, a zone that is characterized as being commercially reproductive and touristy, where trade, livestock, agriculture and mining predominate, among others.

She is a small business owner and the manager of her own business, which consists of the sale of fruits and vegetables such as: green bananas, ripe bananas, and onions among others. Her business is located in the town's central market. She makes her purchases in cash from the distributors in pickup trucks. Her sales are also in cash. She has permanent customers and temporary customers. She started her business with her own funds and products from her previous job, in which she had to migrate in order to raise a small amount of capital and build her business. She was looking for a dignified way to raise her young children.

Celsa is an enterprising woman, hard-working, responsible and eager for self-improvement. Due to a lack of economic resources, Celsa did not complete her studies. One of her dreams is to be able to see her children become professionals and construct a lot where she can locate her business. She begins her workday very early in order to take advantage of the customers who come early to do their shopping. The goal of this funding is to invest in working capital in the purchase of fruits and vegetables, primarily bananas, and thus obtain greater profits and better serve her clients.
View original language description ↓
Celsa Kiora, mayor de edad madre soltera de tres hijos menores de edad aun bajo su responsabilidad, originaria de uno de los municipios del norte de Chinandega ubicado en el occidente del país, zona que se caracteriza por ser reproductivamente comercial y turística donde predominan, el comercio, ganadería, agricultura y minería, entre otros,es una microempresaria y administradora de su propio negocio el cual consisten en la venta de frutas y verduras como: plátanos verdes, maduros, cebollas tomates, entre otros todos, negocio el cual lo tiene ubicado en el mercado central de esta localidad, sus compras son al contado a camiones distribuidores y sus ventas son al contado tambien, tiene clientes fijos y eventuales, inicia su negocio con fondos propios productos de sus trabajo anterior el cual tuvo que emigrar para lograr formar un pequeño capital y montar su negocio buscando una forma digna de poder sacar adelante a sus pequeños hijos, Celsa se caracteriza por ser una mujer emprendedora, trabajadora responsable y con muchos deseos de superación personal, celsa por faltas de recursos económicos no logra terminar sus estudios y uno de sus sueños es poder ver a sus hijos en todos unos profesionales y construir muy bien un tramo donde tiene ubicado su negocio, inicia su jornada diaria desde muy temprano para así aprovechar a los clientes que asisten temprano a realizar
sus compras, el objetivo de este financiamiento es para invertir en capital de trabajo en la compra de frutas y verduras principalmente Plátanos y así obtener mayor utilidades y brindarles un mejor servicio a sus clientes.-

Additional Information

Fundación Leon 2000

This loan is administered by Fundación Leon 2000. Fundación Leon 2000 began operations in 1993 as the first microfinance institution to serve the western part of Nicaragua, a country which continues to be one of the poorest in the western hemisphere. Fundación Leon 2000 works to further the development of micro, small, and medium enterprises through credit services and management, applying the best credit industry practices and technical expertise. Additionally, Fundación Leon manages several business and financial education programs in the community, specifically for young entrepreneurs and at-risk youth. Fundación Leon 2000’s group of experienced and dedicated employees works in 7 offices in Leon, Chinandega, Chichigalpa, Somotillo, Jinotepe, El Sauce, and Nagarote and serves several thousand clients (the majority of whom are women).

About Nicaragua

  • $3,636
    Average annual income
  • 76
    View loans »
    Nicaragua Loans Fundraising
  • $23,451,300
    Funds lent in using Kiva
  • 26.0
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $600 helped Celsa Kiora buy fruits and vegetables, mainly green and ripe bananas.
58% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 10, 2014
Listed
Aug 14, 2014
Currency Exchange Loss:
Possible