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Julia Margarita
Ms. Julia R. is 30 years old and the single mother of two. She lives with her mother in the Vila roma section of the capital city of Managua. They’ve been running a general store together for the past 10 years. They started their business with little money and a few items, but have managed make it successful. She sells a variety of products, including firewood, fruits, and vegetables.

She will use this loan to buy construction materials to make her place of business more comfortable and improve its image. She plans to continue to invest in her business and to always support her mother and children.

She is thankful for giving her the opportunity to help her improve their lives economically.
View original language description ↓
Doña Julia R. de 30 años de edad, reside en el barrio Vila roma en la capital de Managua, madre soltera de dos hijos, vive junto con su madre el cual tienen en sociedad una pulpería que administran desde hace diez años, inicio con poco productos y poco dinero, pero han logrado salir adelante. Entre otros productos vende leña, frutas y verduras. Con este crédito lo quiere para infraestructura en la compra de materiales de construcción del área del negocio para dar una mejor presentación y tener mejor comodidad. Sus planes es seguir invirtiendo en la venta, apoyar siempre a su mama y a sus hijos. Da las gracias a la institución por dar la oportunidad de mejorar sus vidas económicamente.

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
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,418,100
    Funds lent in using Kiva
  • 20.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Julia Margarita construction Materials.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Aug 21, 2009
Sep 2, 2009
Currency Exchange Loss:
Jul 15, 2010