A loan of $1,050 helped to buy toys for the Christmas season.


José De La Concepción's story

José de la Concepción, a native of the capital, is married. He's a responsible and honest person with a great desire for self-improvement. Many years ago he started his business selling electrical appliances, sodas, and juice. His biggest inventory product, though, or the one that has most turnover, is toys. José's work day starts at 8 in the morning when he arrives at his business, located in one of the markets in Managua. The first thing he does is clean his products so the toys he sells will always be presentable and in good condition. This gives the impression that they're fresh and recently purchased, even though it might be something he bought days ago, because he buys and stores merchandise. He ends his day at 6 in the afternoon. His best seasons are between Christmas and January and February. He begins to sell products from November and December. In January Nicaragua celebrates the Three Kings, a tradition when children receive toys. José also takes advantage of these celebrations because it's when he sells most. And in February classes begin and he has a variety of products such as backpacks for students. He's requesting this loan to buy toys, trucks, a tea set, a robot, Transformers, dolls, and cars to sell during the Christmas season. He's grateful to CEPRODEL and Kiva for their support because this loan will help to supply his business and buy and stock products to satisfy customer demand.

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Translated from Spanish by Kiva volunteer Catharine Wall



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