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Mrs. Josefa is a single mother with nine children, three of whom live with her who are underage and still in school; they live in the Villa Reconciliación neighborhood. Four years ago, Josefa established her eatery where she offers lunches to people who work around the neighborhood. In the evenings, she goes out to the sidewalks to sell various fast foods, including gallo pinto, a traditional rice and beans dish, slices with cheese, tacos, grilled pork, enchiladas, grilled chicken, and more. Every day, Josefa and two of her children shop for food in the market so that they can make different dishes to sell to their customers, who sample them all. The business has earned a good number of customers who are satisfied by the delicious flavors of the food and the cleanliness with which she runs her business. Due to the high demand for her services, Josefa needs to buy a glass showcase where she can keep her food secure and also a 300 lb. gas tank so that she can cook more food in less time.

Translated from Spanish by Shannon Skoglund, Kiva volunteer.

Doña Josefa es madre soltera, tiene 9 hijos de los cuales 3 hijos viven con ella, quines son menores de edad y todavía estudian, habitan en el barrio Villa Reconciliación. Hace 4 años la señora estableció su comidería, ofrece almuerzos a personas que trabajan en los alrededores del barrio y por la noche sale a la cera de su vivienda a vender fritangas (Gallo pinto, tajadas con queso, tacos, cerdo asado, enchiladas, pollo asado, entre otras). Diariamente la señora en compañía de 2 hijos realiza las compras de alimentos en el mercado, así como de elaborar los diferentes platillos que ofrece a sus clientes, los cuales degustan de los mismos. El negocio ha capturado un buen número de clientes, quienes se encuentran satisfechos por el buen sabor de las comidas y la higiene en la que mantiene su negocio. Debido a la gran demanda de su servicio, la señora necesita comprar un mostrador de vidrio en el que pueda mantener sus alimentos seguros además de un tanque de gas de 300 libras a fin de poder cocinar más alimentos en menos tiempo.

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
  • 50
    View loans »
    Nicaragua Loans Fundraising
  • $26,293,200
    Funds lent in using Kiva
  • 19.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Josefa comprar vitrina de vidrio y tanque de gas de 300 libras.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Mar 20, 2008
Mar 5, 2008
Currency Exchange Loss:
Oct 18, 2008