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Esequiel Efrain
Esequiel, a 32-year-old young man, has made a living for the past 12 years as a street vendor. He works with his cart come rain or shine in a market in Managua. With his business he bought his humble home, and was able to make improvements to it over time. He was also able to provide for his wife, who works in the same place selling groceries.

Esequiel has requested the support of a loan for the first time in order to be able to have a greater variety of drinks for his business. He wishes to purchase products such as soda, juice, candy, iced tea, energy drinks and purified water. His clients like the products that he sells to them, and his plans for the future include starting his own eatery.
View original language description ↓
El joven Ezequiel de 32 años de edad, se gana la vida vendiendo con una carreta de manera ambulante bajo el sol y la lluvia en un mercado de Managua hace 12 años, con este negocio ha comprado su humilde casa y le ha venido haciendo mejoras con el pasar del tiempo, ha podido sacar adelante a su esposa quien también vende verduras en el mismo lugar. Ezequiel está optando por primera vez a solicitar apoyo crediticio para tener más variedad de bebidas para su negocio comprando productos como gaseosas, jugos golosinas, te helados, bebidas energéticas y agua purificada, Sus clientes les gusta mucho de los productos que él les vende, sus planes a futuro es tener su propio tramo para poner una comideria.

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
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,787,975
    Funds lent in using Kiva
  • 23.8
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $425 helped Esequiel Efrain to buy soda, juice, candy, iced tea, energy drinks and purified water.
Repayment Term
13 months (Additional Information)
Repayment Schedule
Sep 11, 2012
Nov 1, 2012
Currency Exchange Loss:
Nov 30, 2012