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Catalina Del Carmen
The micro-entrepreneur Catalina del Carmen Gutiérrez G. is 35 years old, married, and has two children who are in school and also help her with her businesses.

For the past 12 years, Catalina has dedicated herself to selling dairy products (cheese and cream). With this business, she was able to get ahead with the household expenses.

In addition, this micro-entrepreneur who has a great spirit and desire to supersede, also has seafood business that she’s had for 2 years. For this enterprise, she purchased a small motorboat (cayuco) that she uses to visit the local fishermen to buy her products. Once she has accumulated a certain amount of seafood (she has a Thermos and freezer), she transports them to the capital where she has buyers. These include restaurant owners and hotels that offer these types of dishes.

This businesswoman has had six loans with ADEPHCA that she has paid back in full and on time. Currently, she is requesting her 2nd loan with Kiva. She cares for the seafood end of the business personally, while her daughter tends to the dairy side of things.

On this occasion, she requests a loan to purchase 300 pounds of shrimp at US $1.50 per pound, 20 gallons of scallops at US $7.50 per gallon, and 80 dozen crabs at US $5.00 per dozen.
View original language description ↓
La microempresaria Catalina del Carmen Gutiérrez G. tiene 35 años de edad, es casada, tiene dos hijos, los cuales estudian y además le ayudan en sus negocios. Doña Catalina se dedica desde hace 12 años al negocio de la comercialización de lácteos (queso y crema). Con este negocio a podido salir adelante en los gastos del hogar.

Sin embargo esta microempresaria que tiene espíritu de superación, ha incursionado desde hace 2 años a la compra y venta de mariscos (chacalines, jaiba y ostiones). Para este negocio a comprado una pequeña embarcación (cayuco) con un motor fuera de borda en el cual se transporta donde los pescadores artesanales y les compra dicho producto.

Una vez que tiene acopiado (Cuenta con termos y freezer) cierta cantidad de mariscos los traslada a la capital en donde ya tiene compradores, estos son dueños de restaurantes y hoteles que ofrecen estos tipos de platillos.

Esta microempresaria ha tenido por parte de ADEPHCA mas de 6 créditos y en todos a pagado en tiempo y forma, actualmente esta solicitando su crédito numero 2 con Kiva y mantiene los dos negocios, por un lado la venta de lácteos el cual administra su hija y el de los mariscos que personalmente ella lo atiende.

En esta ocasión esta solicitando comprar 300 libras de chacalines los cuales compra a US$ 1.50 dólares cada libra, 20 galones de ostiones que compra a US$ 7.50 dólares cada galón y 80 docenas de jaiba las cuales compra a US$ 5 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

  • $3,636
    Average annual income
  • 108
    View loans »
    Nicaragua Loans Fundraising
  • $23,723,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Catalina Del Carmen to purchase shrimp, scallops and crab.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Mar 16, 2009
Listed
Mar 10, 2009
Currency Exchange Loss:
N/A
Ended:
Jun 15, 2010