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Filena De La Cruz
For 9 years, Filena has sold clothes, cosmetics and school supplies, a business that has allowed her to support her children and her husband and pay for basic needs like water and electricity. Her husband works as a driver in his own taxi, and together they have provided a worthy home for their children. Filena started with her own money, and later invested more through Afrodenic, which has increased her inventory and customer base.

For clothing sales, she works with 15 day credits and has a lot of orders, so this new loan will be used to buy clothing, cosmetics and various school supplies. She will also buy a bundle of bed sheets because they are pretty and affordable and she wants to see how this new investment will go, with the possibility of obtaining more income.
View original language description ↓
Doña Filena, desde hace nueve años, vende ropa nueva, cosmetico y utensilios escolares, negocio con el cual, ha logrado apoyar a sus hijos, y a su esposo con los gastos basico de agua y luz. Su esposo labora como cadete de su propio taxi, en donde junto han logrado un techo digno para sus hijos.
Filena comenzo con dinero propio, y luego para invertir mas, lo hace atraves del prestamo en Afodenic, en donde ha crecido en inventario, y captacion de cliente.
En la venta de ropa, trabaja con creditos de quincena y tiene muchos pedidos, es por eso con este nuevo financiamiento sera para la compra de ropa, cosmeticos y utensilios escolares en variedad, tambien comprara una paca de ropa de cama, ya que son bonita y accesibles de precios, en el cual quiere probar como le va, con esta nueva inversion.con el proposito de obtener mejores ingresos.

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
  • 58
    View loans »
    Nicaragua Loans Fundraising
  • $26,430,500
    Funds lent in using Kiva
  • 22.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Filena De La Cruz to buy clothes, cosmetics, school supplies and a pack of bed sheets to increase her sales.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jul 16, 2011
Jul 23, 2011
Currency Exchange Loss:
Apr 15, 2012