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Gloria Ernestina
Gloria Ernestina R. D. a 36-years-old businesswoman; she is married and has two sons. Her 16-year-old son is currently in his second year of high school and her 4-year-old son is in level 2 of his elementary education. Her partner works as a pharmacist.


The intentions for her loan are to maintain her business, which is now what gives her daily support. This small business has been able to fulfill the necessities of her son and the family’s future dreams are to own their own home and property in order to give their sons a place to live. The house where they currently live is not their own property and due to necessity she has to rent.


Gloria wishes to establish a store where she offers a variety of merchandise and wishes to leave the business to her sons in the future. She works very hard to give her family a better life.


Her business is a local store where she offers products such as: candies, toothpaste, creams and gelatin among other things. The location of her business is in the Avellán district and she has been running her business for 3 years. She began the business out of necessity for work to support her sons and to pay different debts. In the beginning she had a stable job but due to her situation she had to leave it. It was then that she decided to search for a new mode of income and it was by her own initiative that she decided to establish her store. She began with few products such as soap and candies. Little by little she has increased her product offerings but still she needs more. For that reason she asks for this loan for the purchase of school supplies and boy’s and girl’s uniforms now that the beginning of school is approaching and she wants to take advantage of the necessities of her customers.

View original language description ↓
La pequeña Empresaria de Nombre Gloria Ernestina R. D. tiene la edad de 36 años, su estado civil es casada, Doña Gloria tiene 2 hijos de las edades de 16 años que cursa recientemente el 2 año de secundaria su otro hijo de 4 años cursa el 2 nivel de primaria, su compañero de vida labora como farmacéutico, los propósitos son de mantener su negocio ya que este es el que le da el sustento de diario por lo que con este pequeño negocio es que ha podido saciar las necesidades de sus hijos sus sueños son de que en el futuro comprar su casa propia para dejarle a sus hijos un lugar donde vivir y sea de su propiedad es por eso que en la casa que habita actualmente no es de su propiedad y debido a su necesidad tiene que alquilar sus deseos son de establecer una tienda donde ofrezca una variedad de mercadería y poder dejarle a sus hijos un negocio para que ellos puedan subsistir para el día de mañana por lo que tiene que trabajar fuertemente para darle mejores condiciones de vida a toda su familia.

Su actividad económica es una pulpería donde ofrece los productos como: golosinas, pasta de dientes, cremas, gelatina entre otras cosas, la ubicación de su negocio es en la colonia Avellán, el tiempo que tiene de poseer su negocio es de 3 años, ella inicio este negocio por la necesidad de buscar un medio de trabajo y una fuente de ingresos para mantener a sus hijos y el pago de diferentes deudas y al principio tenia un trabajo estable pero debido a la situación tuvieron que despedirla y fue entonces que decide buscar un medio de ingresos y fue por iniciativa propia que decide establecer un negocio lo cual fue una pulpería y comenzó con pocos productos como: jabón y golosinas y poco a poco fue aumentando su materia prima pero todavía necesita aun mas es por eso el motivo del financiamiento para la compra de útiles escolares, uniformes de niño y niña ya que se acerca la entrada de clases y quiere aprovechar las nesesidaes de los 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

  • $4,800
    Average annual income
  • 110
    View loans »
    Nicaragua Loans Fundraising
  • $24,828,400
    Funds lent in using Kiva
  • 20.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Gloria Ernestina working capital.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 12, 2009
Listed
Jan 18, 2009
Currency Exchange Loss:
Covered
Ended:
Aug 15, 2009