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Ana Patricia
Ana is a woman very dedicated to her work. She married young and had three children, all of whom are in school. Her husband is an accountant and has been very generous. When she began working, her husband bought her a small bus with their savings so she could drive a route for students. With the revenue made from the bus, she started selling different flavored drinks out of her home to have another source of income to help pay basic household costs like water, electricity, telephone, and school as well as bus costs. Later she had the idea to sell food to the workers of the office in front of her house. She talked to the owner and the workers in the building and offered her services. The business let her use the cafeteria to be able to attend the workers. It was a good start because they do not charge her rent and she can sell her food, which allows her to get paid biweekly and with cash.

With this loan Ana hopes to be able to increase the variety of food she sells. She will buy meat, chicken, rice, beans, oil, condiments, dairy products, and soft drinks. She wants to buy baked goods and sweets and new utensils for preparing the food so she can give better service each day. This is her first loan, and she is grateful for the support given to a small businesswoman.
View original language description ↓
Doña Ana es una mujer muy dedicada al trabajo, se caso joven, procreo tres hijos, que cursan los estudios. Su esposo trabaja como contador y ha sido muy bondadoso, cuando inicio su negocio era de recorrido para estudiante ya que tenia un bus pequeño que su esposo había comprado con ahorros. El cual con las ganancias comenzó hacer frescos para vender en su casa de todos los sabores para obtener otros ingresos y poder ajustar con los pagos básicos del hogar como: agua, luz, teléfono, estudios entre otros gastos del bus. Mas tarde nace la iniciativa de vender comida a los trabajadores de la empresa que queda en frente de su vivienda. Lo cual fue hablar con el propietario y trabajadores para ofrecer sus servicios de venta de comida el cual la empresa le da el local del comedor para poder atender en las mejores condiciones a sus trabajadores, el cual fue un buen inicio ya que no le cobran el alquiler y vende su comida el cual da la quincena a si como al contado. Lo que desea con esta inversión es poder aumentar la venta de variedad de comida, comprara: carne, pollo, arroz, frijoles, aceite, condimentos, lacteos, gaseosas, desea comprar repostería, golosinas, comprar utensilios nuevo para preparar los alimentos y poder dar cada día un mejor servicio. Siendo su primer crédito en la institución da las gracias por apoyar al pequeño comerciante.

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
  • 61
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 20.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Ana Patricia buying food to increase sales.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jan 12, 2010
Jan 15, 2010
Currency Exchange Loss:
Oct 16, 2010