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Marbelly Dayana
Marbelly continues to work as a Secretary and has increased her cosmetics sales attracting more customers. Her daughter continues to grow but still has not started school.

Her husband’s a security supervisor and together they balance household expenses with the goal of improving their home, something they’ve been doing.

With this new loan today, she’ll buy more Avon and Zermat brand cosmetics since she has many pending catalogue orders to fill and her stock is low. She will buy make up kits, lipstick, shampoo, skin cream, face cream, hair cream, hair treatments, women’s, men’s and children’s perfume, silver items on order, among other products that are in high demand in her sales. Her sales help her a lot to cover travel and personal costs and to pay her home electricity and water bills.
View original language description ↓
Doña Marbelly sigue laborando como secretaria, y ha aumentado las venta de cosmeticos, logrando la captacion de mas clientes. Su hija sigue creciendo, aun no va a clase.
Su esposo es supervisor de seguridad, y juntos equilibran los gastos del hogar, teniendo como proposito la mejora a su vivienda, que ha venido mejorando.
Hoy con este nuevo financiamiento sera para invertir en productos de cosmetico de Avon y Zermat, teniendo muchos pedidos por catalogos, teniendo poco en existencia, comprara: vanidades, pintura de labios, shampoo, cremas de piel, de cara, de pelo, tratamiento de cabello, perfumes de dama, caballeros, niños, prendas de de plata de encargo, entre otros productos que son de mucha demanda en las ventas.
Con sus ventas se ayuda mucho, para los gastos de pasaje, sus gastos personales, y pago de luz y agua de su hogar.

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
  • 75
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 22.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Marbelly Dayana to buy Avon and Zermat brand products.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 30, 2011
Oct 9, 2011
Currency Exchange Loss:
Nov 15, 2012