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Maria Ester
Maria Ester P. M. is 38 years old, is married, and lives in the San Caralampio neighborhood. She and her husband sell clothing and shoes, and have more than seven years’ experience earning a living in this way. They are asking for this loan so that they can invest in merchandise, such as clothing, shoes, and cosmetics; in other words, personal use products. Thanks to their experience, they have found their target market.

This investment will allow them to increase their sales and benefit their young children who currently attend elementary school but will be attending university before they know it. They want to have the adequate financial resources to be able to pay the cost. As parents, they also want to be able to offer their children better economic conditions, peace of mind, and help them reach their goals and/or dreams.
View original language description ↓
La señora Maria Ester P. M. tiene la edad de 38 años, es casada del barrio de San Caralampio, ella y su esposo se dedican al comercio de ropa, calzado y zapatos, tienen más de 7 años de experiencia de ganarse el sustento diario de esta manera, y es por esta razón que solicitan un préstamo para la compra de un mayor inventario de mercadería tal como, ropa, calzado, cosmeticos, en si productos para uso personal que gracias a su experiencia tiene locaxlizado su M. meta, esta inversion le permitira un aumento en las ventas esto a beneficio de sus dos hijos pequeños que actualmente estudian la escuela primaria, pero pronto entraran a la universidad y esperan tener los recursos económicos para poder subsistir a los gastos, y ofrecerles a sus hijos, mejores condiciones económicas y la tranquilidad como padre de familia de apoyar a sus hijos en el alcance de sus metas y/o sueños que los determina como persona.

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
  • 59
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 21.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Maria Ester inventory.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 28, 2010
Oct 3, 2010
Currency Exchange Loss:
Sep 15, 2011