The products necessary for Mrs. O.'s business are provided by suppliers from other regions of the country. As the suppliers are intermediaries, Marta's profits are minimal. So, she hopes to go purchase supplies directly from the producers and in this way obtain their products at a lower cost.
This small business has already been the beneficiary of two prior loans from Kiva lenders, and Marta attests that this support has enabled her to improve both her business and her personal life.
She is requesting funding to purchase:
200 pounds of cheese (to be purchased for US $220), 150 pounds of cream (at US $0.90 per pound), 125 pounds of butter (at US $1.00 per pound), and 100 pounds of cream cheese (to be purchased for US $120).
Please note that the photo above is of Marta's husband Margarito Torres, as Marta was sick the day the photo was taken and was not able to be at her place of business.
Para este negocio la señora O. es abastecida por comerciantes originarios de otras regiones del país, sin embargo la ganancia que obtiene es mínima ya que sus abastecedores son intermediarios, por lo que ella pretende viajar a comprar directamente con los productores de lácteos y de esta forma obtener los productos a mas bajo costo.
Esta microempresaria ya ha sido beneficiada anteriormente con dos créditos por parte de los prestamistas de Kiva y manifiesta que le han servido para poder ir mejorando tanto en su negocio como en su vida personal.
Esta solicitando se le financie para comprar:
2 quintales de Queso los que compra a US 110 cada quintal, 150 libras de crema a US 0.90 cada libra, 125 libras de mantequilla a US 1 cada libra y 1 quintal de queso-crema el que compra a US 120 el quintal.
Se debe aclarar que en la fotografia aparece el señor Margarito Torres quien es el esposo de doña Marta O., ya que esta se encuentra un poco indispuesta de salud y no podia estar en su negocio.
Important InformationPlease 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.
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