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Brenda Maria
Brenda, 23, is a young entrepreneur living in the municipality of Ticuantepe. She’s married and her husband works as a delivery person in a pharmacy. They have a four-year-old son. She started her business due to the lack of employment nowadays; she sells cosmetics and clothes via catalogue. Starting out for her was very difficult due to lack of capital and limited business knowledge but now she has a good clientele and most of them are up to date. In future, they plan to open a small convenience store at home to better care for her son. This is her first credit experience. She’s requesting a loan to buy building materials and supplies to build a room. To do the project she needs to buy sand, cement, concrete blocks and iron.
View original language description ↓
Brenda una joven emprendedora de 23 años de edad vive, en el municipio de Ticuantepe es casada su esposo se dedica al trabajo de mensajero en una farmacia, tienen un hijo de 4 años, ella dio inicio a su negocio por la falta de empleo hoy en día vende productos de cosméticos y ropa por catálogos; siendo esta su primer experiencia crediticia que solicita para compra de materiales para realizar un cuarto por lo que necesita para levantar la obra arena, cemento, bloques y hierro, para ella el comienzo le fue muy difícil por la falta de capital y conocimiento de negocio pero ahora tiene buena clientela y la mayor parte están al día. En un futuro piensan poner una pequeña tienda en la comodidad de su hogar y así brindar mejor atención a su hijo.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Nicaragua

  • $4,800
    Average annual income
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,296,575
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Brenda Maria to buy building supplies.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Sep 29, 2012
Nov 1, 2012
Currency Exchange Loss:
Aug 18, 2013