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Bertha Adilia

Update on Bertha Adilia

Doña Bertha, a woman of strong prinicples, thanks God for her two jobs. Her primary job is as a cleaning lady in a distribution center. Her other source of income is her business selling clothes, shoes and cosmetics. She has been able to expand this business thanks to financing from Kiva and Afodenic. Her husband works as a mason but unfortunately he works on contract and during certain seasons the economic burden falls on her and she is responsible for providing for their family.

That is why she would use this loan to buy summer clothing (shorts, sandals, towels, bathing suits, etc) and to offer her customers a variety of products. She would also like to provide a better quality of life for her children.
View original language description ↓
Doña Bertha, mujer esforzada de buenos principios, agradece a Dios por sus dos empleos, el primero en el cual se desempeña como empleada domestica en una Distribuidora y su segunda fuente de ingreso es su negocio de venta de ropa, zapatos y cosmeticos que vende por encargo, negocio que asegura la señora haberlo podido incrementar mediante los financiamientos brindados por Kiva y Afodenic; ya que su señor esposo es albañil pero lamentablemente labora a traves de contratos por lo que en temporadas el sustento y la carga economica le corresponde a ella. Es por ello que su proposito con esta nueva oportunidad de financiamiento es seguirlo invertiendo en la compra de ropa de verano (short, chinelas, toallas, trajes de baños entre otros) y de esta manera ofrecerle a su clientela una variedad de productos y a sus hijos un mejor nivel de vida los cuales dependen de sus trabajos.

Previous Loan Details

Doña Bertha has a small business out of her home selling clothes. She has been increasing her inventory to introduce more variety, which she has achieved with a loan from Afodenic. She is married and the mother of three children. He husband works in construction. Earlier she worked in domest... More from Bertha Adilia's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Nicaragua

  • $4,800
    Average annual income
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,296,575
    Funds lent in using Kiva
  • 23.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Bertha Adilia to buy summer clothes.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Mar 14, 2012
Mar 28, 2012
Currency Exchange Loss:
Nov 15, 2012