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Gloria Maria
Gloria has her own grocery store which she has been running for several years and achieved a good customer base and wide range of products thanks to several Afodenic loans she has received.

The loans have been very helpful in allowing her to offer all sorts of products, including medicine and cosmetics.

Her income is used to pay off the loan and to give credit to responsible customers. She also has to make payment on commitments she has with a family of four children. Her husband sells cheese, sour cream, cottage cheese and cream which help Nicaraguan families put more nutritious food on their tables.

She plans to use the loan to buy basic grains, personal care products, sodas and canned goods for customer satisfaction.
View original language description ↓
Gloria tiene su propio negocio, una pulpería con varios años en las ventas, en donde ha logrado la captación de clientes y variar los productos gracias a los préstamos que Afodenic ah otorgado durante varios créditos.
Lo cual para ella ha sido de mucho beneficio ya que ha equilibrado su pequeña pulpería, así como la compra de varios productos en medicamentos, cosméticos, entre otros.
El cuarenta por ciento da al crédito, de quincena a clientes responsables, ya que tiene que cumplir con un plan de pago a si como otros compromisos de pagos en la familia de sus cuatros hijos, e esposo el cual se dedica al comercio también en la venta, de quesos, leche agria, cuajada, cremas que ayudan a mejorar el pan de cada día de las familias nicaragüenses.
Lo que comprara con este préstamo es granos básicos, productos de aseo personal, gaseosas, productos enlatados para satisfacer a sus clientes.

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
  • 22.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Gloria Maria to buy basic grains, sodas and canned products to offer more to her customers.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Apr 9, 2011
Apr 25, 2011
Currency Exchange Loss:
Jan 15, 2012