A loan of $650 helped purchase a range of cosmetics to meet demand.

Xiomara Del Carmen's story

Xiomara B. is 38 años years old and lives in the neighbourhood Laureles Sur in the capital of Managua. She is married and has four children: two now adults and two who study. Her husband works independently as a gardener and has clients who call him for his gardening services. Xiomara's runs a business selling cosmetics. Previously she had a grocery store but the margin of earnings was low, which is why she opted to change businesses and she is doing better with cosmetics. This is her seventh cycle with Afodenic, and she aims to invest this loan in purchasing a range of cosmetics to satisfy the demand of her clients. She sells her products for cash and two-week credit at accessible prices. Her goal is to enlarge her business, improve her house and help her two younger children with their education. She gives thanks to Kiva for the opportunity to increase her sales and improve her quality of life, as it is only through financing that she is able to get ahead.

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Translated from Spanish by Kiva volunteer Suzanne Grasso

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