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Pablo Emilio
Micro-entrepreneur Pablo Emilio Malespín Narváez is 64 years old. He is married and has three children that are already independent. Mr. Malespín has been a photographer for over 35 years, activity that allowed his to pay for his children’s education.

After all this time devoted to this profession, Mr. Malespín has acquired a vast clientele that requests for his services for birthday parties, weddings, baptisms, promotions and other reunions traditionally celebrated by the blufileños (inhabitants of Bluefields, Nicaragua) so they can save their memories.

However, due to the inconsistency in the price of the material he needs to purchase large amounts of products to maintain a stable price for his services.
This is the reason why he is looking for financing to purchase the following items: 60 135x36 film rolls at a price of $ 4 each, 20 Polaroid film boxes at $ 25 each, 5 units of printer ink at $ 30 each and 5 dozens of AA batteries at $ 22 each dozen.
View original language description ↓
El microempresario Pablo Emilio Malespín Narváez tiene 64 años de edad, es casado con 3 hijos todos mayores de edad y viven en sus propios hogares. El señor Malespín se dedica a la actividad de fotógrafo desde hace 35 años aproximadamente y con esta actividad a podido darle el estudio a sus hijos así como una profesión.

Por el tiempo que tiene de dedicarse a la actividad de fotógrafo el señor Malespín tiene una buena cantidad de clientes quienes lo buscan para actividades de cumpleaños, matrimonios, bautizos, promociones entre otras actividades que los blufileños tradicionalmente celebran y que buscan como guardar esos recuerdos.

Sin embargo por la inconsistencia de los precios del material se requiere comprar en cantidades para de esa manera poder mantener el precio estable por cada fotografía. Por tal razón requiere del financiamiento para la compra de los siguientes productos:

60 rollos de película 135x36 a US$ 4 dólares cada rollo, 20 cajas de película polaroid a US$ 25 dólares cada caja de película, 5 unidades de tinta para impresora a US$ 30 dólares cada unidad y 5 docenas de baterías AA a US$ 22 dólares cada docena.

Additional Information

Important Information

Please note that Kiva considers loans from this Field Partner, ADEPHCA, to be particularly high risk. This organization is very small and started working with Kiva before certain core risk and due diligence policies were put into place. ADEPHCA organization would not fit under Kiva’s current partnerships criteria because they do not have any audited financial statements, they do not have established internal controls, and they currently have no other sources of funding than Kiva. Kiva continues to allow ADEPHCA to raise funds on the website for two reasons. First, if Kiva were to abruptly end the partnership we believe there would be a higher risk of loss for lenders, since cutting off the Kiva funding source would put ADEPHCA in a financially distressed position. In addition, since ADEPHCA provides loans in some of the poorest and most remote areas of Nicaragua where there are almost no other options for funding, we believe these loans could still be of interest to lenders even considering the increased risk.

About Nicaragua

  • $4,800
    Average annual income
  • 96
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Pablo Emilio purchase 60 135x36 film rolls at a price of $ 4 each, 20 Polaroid film boxes at $ 25 each, 5 units of printer ink at $ 30 each and 5 dozens of AA batteries at $ 22 each dozen.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 15, 2009
Jan 1, 2009
Currency Exchange Loss:
Feb 15, 2010