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Julia Estela
Ms. Julia Estela P. A. is a 46 year-old single mother who lives with her grown children in the Los Meléndez neighborhood. Her children work in different jobs that bring in their own income. Julia has a small store where she sells products for the home and for personal use, groceries, etc. She is requesting this loan to buy more merchandise for her business, in order to stimulate her monthly sales and allow her to earn more profits so that she can improve her living conditions.

This is not her first loan. Over the years that AFODENIC and Kiva lenders have supported her, her quality of life has become more prosperous. Her family says they are very happy with the positive changes they have seen in their lives.
View original language description ↓
La señora Julia Estela P. A., tiene la edad de 46 años es una madre soltera que habita con sus hijos mayores de edad en el Barrio los Meléndez, sus hijos trabajan en diferentes actividades que generan sus propios ingresos, ella tiene una pequeña tienda de productos para el hogar, uso propio, abarrotes, etc. Y es para el negocio que solicita un préstamo a ser utilizado en la compra de mayor mercadería, favoreciendo a sus ventas mensuales y permitiéndoles mejores ingresos para la mejora continua de las condiciones de vida en las que actualmente esta habitando, este no es el primer préstamo de la señora, en los año que Afodenic y fondos Kiva le han apoyado sus niveles de vida han sido mas prósperos y su familia se expresa sentirse muy contenta de los cambios positivos que han tenido en sus vidas.

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
  • 44
    View loans »
    Nicaragua Loans Fundraising
  • $26,295,350
    Funds lent in using Kiva
  • 21.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Julia Estela to buy products for her store.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Sep 10, 2010
Oct 14, 2010
Currency Exchange Loss:
Jul 15, 2011