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Estelvina Irene
Estelvina has been selling clothes, shoes and cosmetics for six years. She started selling clothes through her own efforts, savings and the help of her husband. She is 49 years old, and lives in Villa Libertad with three children ages 8, 10, and 22. The oldest works, and the other two are studying primary at the neighborhood’s school. Her husband works as a master builder at different construction projects in the country, work that is difficult but provides steady income and he does all he can for his family. Estelvina has taken loans through Afodenic for eight cycles, and they have been of great benefit to her business. With this request, she will invest in the purchase of more clothes and shoes to increase her inventory, sell more, and meet the demand of her customers. In the future, she would like to expand her business and continue helping her daughters to prepare themselves with their educations.
View original language description ↓
La Sra. Estelvina vende ropa, zapatos y productos de cosméticos desde hace seis años, que con propios esfuerzos y ahorros y ayuda de su esposo comenzó la venta de ropa, tiene 49 años de edad, y reside en anexo villa libertad del centro de salud 1 c al este 13 andenes al sur, con tres hijos de 8,10 y 22 años de edad, el mayor trabaja y los dos estudian la primaria en el colegio del barrio, su esposo trabaja de maestro de obra, en los diferentes construcciones del país, trabajo que es pesado pero se gana regular y por su familia todo lo puede, doña Estelvina hace prestamos en Afodenic desde hace ocho ciclos que ha sido de beneficios para las mejoras a su negocio, con esta solicitud va invertir en comprar ropa y zapatos para aumentar su inventario y vender mas y poder cumplir con la demanda de sus clientes. a futuro es poder hacer mas grande su negocio y seguir ayudando a sus hijas a que se preparen con sus estudio.

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
  • 70
    View loans »
    Nicaragua Loans Fundraising
  • $25,034,300
    Funds lent in using Kiva
  • 20.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Estelvina Irene to purchase clothes and shoes.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Feb 17, 2009
Mar 2, 2009
Currency Exchange Loss:
Oct 15, 2009