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Carla Patricia
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Mrs. Carla Patricia G. Montana is originally from the city of Bluefields, she is 33 years old, married to Mr. Fernando Palacios. They have 2 children, ages 7 and 11. Mrs. G. is owner of a store, has more than 1 year of experience, and her clients are children, women, and men of all ages that prefer she have a variety of products.

Mrs. G. needs to buy: 2 quintales (one quintal is 46kg) of flour at US$29 per quintal, 1 quintal of sugar at US$26 per quintal, 1 case of laundry detergent at US$8 per case, 2 cases of soup at US$10 per case, 6 cases of tomato sauce at US$3 per case, 6 cases of tomato paste at US$10 per case, 24 units of coffee at US$0.73 per unit, 24 units of toilet paper at US$0.63 per unit, 24 units of milk at US$0.42 each unit, 4 cartons of matches at US$2 per carton, 12 units of disinfectant at US$0.68 each, 6 units of vinegar at US$0.36 per unit, 4 cases of candles at US$0.42 per case, 6 cases of shampoo at US$2.00 each case.

Translated from Spanish by Cindy Kendall, Kiva volunteer.

La Sra. Carla Patricia G. Montana es originaria de la ciudad de Bluefields, tiene 33 años de edad, esta casada con el Sr. Fernando Palacios ambos tienen 2 hijos de 7 y 11 años respectivamente. La Sra. G. es propietaria de una pulpería, tiene más de 1 año de experiencia, sus clientes son niños, mujeres y hombres de todas las edades que la prefieren por tener variedad de productos.

La Sra. G. necesita comprar: 2 quintales de harina a $ 29.00 dólares el quintal, 1 quintal de azúcar a $26.00 dólares el quintal, 1 caja de jabón para lavar ropa a $ 8.00 dólares cada caja, 2 cajas de sopas a $10.00 dólares cada caja, 6 cajas de salsa de tomate a $ 3.00 dólares cada caja, 6 cajas de pasta de tomate a $ 10.00 dólares cada caja, 24 unidades de café a $0.73 dólares cada unidad, 24 unidades de papel higiénico a $0.63 dólares cada unidad, 24 unidades de leche $0.42 dólares cada unidad, 4 cartón de fósforo a $ 2.00 dólares cada cartón, 12 unidades de desinfectante a $ 0.68 dólares cada unidad, 6 unidades de vinagre a $ 0.36 dólares cada unidad, 4 cajas de candela a $0.42 dólares cada caja , 6 cajas de champú a $ 2.00 dólares cada caja.

Additional Information

Important Information

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.

About Nicaragua

  • $4,800
    Average annual income
  • 30
    View loans »
    Nicaragua Loans Fundraising
  • $26,391,875
    Funds lent in using Kiva
  • 18.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Carla Patricia purchase: flour, sugar, oil, coffee, tomato paste, laundry detergent, toothpaste, toilet paper, aluminum paper, milk, vinegar, candles, matches, toilet paper, soup, Tang, disinfectant, shampoo.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 6, 2007
Nov 22, 2007
Currency Exchange Loss:
Oct 29, 2008