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Estelvinai Irene
Estelvina is a hard-working woman whose business is selling clothes, cosmetics and shoes. In her free time, she also sews. She makes her sales from home and also as an itinerant vendor. She has managed to increase her sales by introducing more products through loans that she has received over eleven loan cycles with Afodenic. This has enabled her to balance and maintain her sales.

Estelvina has three grown-up children who are working and contributing towards household expenses. Her husband works as a builder and is a great support for their family. Estelvina has few products and so will use this new loan to buy: women's clothes, shoes and Avon cosmetics. She would also like to invest in silver jewelry in order to continue growing her small business.
View original language description ↓
Doña Estelvina es una mujer trabajadora, se dedica a la venta de ropa, cosmeticos, zapatos y tambien en tiempos libres trabaja en la costura, vende en su casa y ambulante, pues ha logrado aumentar las ventas al introducir mas productos con financiamiento que Afodenic ha dado en once ciclos, el cual ha logrado equilibrar y mantener sus ventas.
Es madre de tres hijos mayores, trabajan y aportan a los gastos, su esposo labora como albañil siendo de gran apoyo para su familia. Tiene poco productos, es por eso con este nuevo prestamo comprara: ropa para dama, zapatos, cosmeticos Avon y quiere invertir en joyas de plata para seguir creciendo en su pequeño negocio.

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
  • 66
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 22.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Estelvinai Irene to buy a variety of clothes, shoes, cosmetics and silver jewelry to increase her sales.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 10, 2011
Sep 21, 2011
Currency Exchange Loss:
Sep 18, 2012