Rita Elena L. Jarquín is 35, married, and has three daughters. One daughter attends elementary school, another goes to high school, and the third attends the university. Since she was very young this young mother has been running a mini market. She has been slowly stocking it and diversifying her products. With this business she has been able to support her home because her husband does not have fixed work. He only gets income when there is work for him.
L. has been buying equipment for her business like a refrigerator, a freezer, and other furniture to keep her products. Like other small businesswomen, she needs financing to buy some products for her business and to be able to invest in other furniture that she needs.
L. has benefited from loans from our institution (Adephca). She is considered as a category A because of the completion of her payments and the punctuality she has demonstrated.
She needs the loan to by:
50 pounds of cheese at 1.20 U.S. per pound, 1 “quintal” (100 pounds) of beans at U.S. 46 per quintal, 2 drums of oil at U.S. 25 per drum, 2 large bags of toilet paper at U.S. 15 per bag, 1 quintal of sugar at U.S. 38 per quintal, 1 quintal of rice at U.S. 43 per quintal, 3 quintales of flour at U.S. 38 per quintal, 3 dozen instant coffee at U.S. 28 per dozen, 2 boxes of tooth paste at U.S. 8 per box, 130 pounds of chicken at U.S. 1.50 per pound, and four cases of eggs at U.S. 6 per case.
La microempresaria: Rita Elena L. Jarquín tiene 35 años de edad, es casada, con tres hijas todas mujeres y las cuales se encuentran estudiando en nivel primario, secundario y universitario respectivamente. Esta joven madre desde muy joven ha venido administrando una pulpería la cual poco a poco ha ido surtiendo y diversificando mas sus productos. Con este negocio ha podido mantener su hogar, ya que su marido no tiene trabajo fijo y solamente cuando le sale alguna chamba tiene ingresos.
La señora L. ha ido con su negocio comprando equipos como refrigeradora, frezer y otros muebles para mantener sus productos, pero al igual que otras microempresarias necesita se le financie para comprar algunos productos para el negocio y poder ella invertir en otros muebles que necesita.
La microempresaria L. ha sido beneficiada con prestamos de que le ha entregado nuestra institución (ADEPHCA) y es considerada por su cumplimiento en sus pagos como categoría A por la puntualidad demostrada.
Requiere se le financie para comprar:
50 libras de queso a US 1.20 cada libra, 1 quintal de Frijoles a US 46 el quintal, 2 bidones de aceite a US 25 cada bidón, 2 bolsones de papel higiénico a US 15 cada bolsón,1 quintal de azúcar a US 38 cada quintal, 1 quintal de arroz a US 43 cada quintal, 3 quintales de harina a US 38 cada quintal, 3 docenas de café presto a US 28 cada docena, 2 cajas de pasta dental a US 8 cada caja, 130 libras de pollo a US 1.50 cada libra y 4 cajillas de huevos a US 6 cada cajilla.
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.