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Karla Patricia
Karla is 36 years old. She is married and has two children who are students. Her husband works as a driver, and she has helped him with the expenses since she started her small business. She has been investing in it with her earnings and with the help of her life partner.

The products that she sells are paper goods and cosmetics which are reasonably priced and very useful in daily life. Today she wants to buy more products from the Avon and Zermat companies, including creams, perfumes, vanity sets, powder, powder cases, makeup, and tone, as well as notebooks, pens, erasers, rulers, glues, typing paper, books and other items that are most in demand among her customers. The goal is that her business will grow, which will be possible thanks to the loan through Afodenic and the expected sales and positive profits.
View original language description ↓
Doña Karla tiene la edad de 36 años, casada y con dos hijos estudiantes, su esposo labora como conductor, en donde ella lo apoya con los gastos desde que inicio su pequeño negocio, que ha venido invirtiendo con las ganancias y ayuda de su compañero de vida.
Sus productos de ventas son de librería y cosméticos, accesibles de precios y muy útil en la vida diario. Hoy quiere comprar más productos en cosméticos Avon, zermat, en lo que es cremas, perfume, vanidad, talcos, estuche de polvos, maquillaje, tonificador, a si como cuadernos, lapiceros, borradores, reglas, pegas, type, libros y otros que son más demandados por sus clientes, que como fin, es el crecimiento de su negocio, siendo posible por financiamiento en Afodenic que espera ventas y utilidades positivas.

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
  • 63
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 23.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Karla Patricia to invest in buying cosmetics and paper goods to increase her sales.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jun 21, 2012
Jul 6, 2012
Currency Exchange Loss:
Aug 18, 2013