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Bemilda  Esperanza
Bemilda is 60 years old and sells in a kiosk located in the Roberto Huembes market which is frequented by many Nicaraguans because everything a customer could want is sold there, inexpensive items, pretty items, and much more. She has had the business for 16 years. She lives in north Waspan, is happily married with 4 grown children, her husband is retired and receives a monthly pension. She began with the money that her husband gave her, and this, her second loan from AFODENIC, will be invested in buy inventory for her kiosk such as: meats, vegetables and fruits to prepare her delicious meals, soda pop, candy and other items to offer her customers variety. Her short term plans are to expand to offer better conditions and service to her customers and obtain greater income.
View original language description ↓
Doña Bemilda a sus 60 años de edad, vende en un kiosco ubicado en el mercado Roberto Huembes que es transitado por muchos nicaragüenses ya que venden de todo, al gusto del cliente, barato, bonitos y muchos mas, en este negocio tiene dieciséis años de estar en las ventas, reside en Waspan norte, felizmente casada con cuatro hijos mayores, su esposo es jubilado y recibe una pensión mensual, inicio con dinero que su esposo le dio, con esta solicitud es la segunda en Afodenic la cual va invertir en comprar inventario para el kiosco como: carnes, verduras y frutas para preparar los ricos platillo, gaseosas, dulces, y otros para ofertar a sus clientes la variedad de sus productos. Sus planes a corto plazo es poder ampliarlo para ofrecer mejores condiciones y servicios a sus clientes, y obtener mejores ingresos.

Additional Information


This loan is administered by AFODENIC, La Asociación para el Fomento al Desarrollo Nicaragua, a Kiva Field Partner based in Managua, Nicaragua. Founded in 1999, AFODENIC was created to promote the socio-economic and cultural development of sectors that are excluded from commercial banking. Integrating economic and human resources, AFODENIC offers affordable and adaptable financial services aimed at strengthening the family unit of their clients, who include students, producers, and micro- and small entrepreneurs from rural and urban areas. AFODENIC is a socially responsible institution engaged in society and making a positive impact on its professional partners and communities.

Supporting a borrower through AFODENIC contributes to the pursuit of innovation in mitigating poverty in Nicaragua. Visit AFODENIC’s partner page for more information.

About Nicaragua

  • $4,800
    Average annual income
  • 82
    View loans »
    Nicaragua Loans Fundraising
  • $25,447,400
    Funds lent in using Kiva
  • 20.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Bemilda Esperanza buy meat, fruit, soda pop and other items to stock her business.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jan 12, 2009
Feb 1, 2009
Currency Exchange Loss:
Oct 15, 2009