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Ramona Antonia

Update on Ramona Antonia

Ramona, 40, is married and has two children who are in her care and study at the univesity. She is from the town of León which is in the western part of country. Ramona is known for being a very hard-working, responsible person who is determined to improve her situation. She earns a living selling different brands of cosmetics by catalogue.

She sells products such as lipstick, foundation, blush-on, eyeliner, creams, perfumes, eye corrector, make-up remover and eye shadow. She works on a door-to-door basis and receives orders from fixed and eventual customers. She has been in business for ten years and started it to have an income to support her family.

Ramona has worked with the León 2000 Foundation before and has proven herself to be responsible in paying back the loan on time. The loan she needs now is to stock her business and take advantage of the seasonal discounts. She hopes to receive support through the Kiva Program and the León 2000 Foundation. Ramona is grateful for the help Kiva lenders give to people with scarce resources in poor countries such as Nicaragua, so they can earn a decent living.
View original language description ↓
Ramona de 40 anos de edad, casada con dos hijos los cuales están bajo su responsabilidad está estudiando en la Universidad. Es originaria de municipio de León, lugar que esta ubicado en la zona de occidente del país. Ramona se caracteriza por ser unas personas trabajadora, responsable, con ganas de superación personal. Ella tiene por actividad económica la venta de cosméticos ella trabaja por encargo de catálogos con diferentes casa comerciales. El negocio consiste en vender productos como lápiz labial, base, rubor, lápiz de ojos, cremas, perfumes, corrector de ojos, desmaquilladores, sombra de ojos. El negocio lo realiza de forma ambulante y por encargo a clientes fijos y eventuales. Tiene 10 anos de tener el negocio. Negocio que surgió por la necesidad de tener una fuente de ingresos para el sustento de su familia. Ramona ya ha trabajado con fundación león 2000 y ha demostrado su responsabilidad de pago en tiempo y forma. El crédito lo necesita para invertir en capital de trabajo y surtir su negocio y aprovechar las ofertas de la temporada y espera contar con el apoyo del programa kiva y la fundación león 2000. Ramona agradece la ayuda que le brindan los inversionista kiva a personas de escasos recursos y países pobre como es Nicaragua para tener un medio de trabajo digno.

Previous Loan Details

Ramona Antonia engages in retail, selling a variety of products. She has been engaging in this activity for more than 6 years, and she is always looking for ways to improve her income. This is not the first time she has asked for a loan, as this method has been very helpful in allowing her to pro... More from Ramona Antonia's previous loan »

Additional Information

Fundación Leon 2000

This loan is administered by Fundación Leon 2000. Fundación Leon 2000 began operations in 1993 as the first microfinance institution to serve the western part of Nicaragua, a country which continues to be one of the poorest in the western hemisphere. Fundación Leon 2000 works to further the development of micro, small, and medium enterprises through credit services and management, applying the best credit industry practices and technical expertise. Additionally, Fundación Leon manages several business and financial education programs in the community, specifically for young entrepreneurs and at-risk youth. Fundación Leon 2000’s group of experienced and dedicated employees works in 7 offices in Leon, Chinandega, Chichigalpa, Somotillo, Jinotepe, El Sauce, and Nagarote and serves several thousand clients (the majority of whom are women).

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
  • 56
    View loans »
    Nicaragua Loans Fundraising
  • $26,430,500
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Ramona Antonia to buy cosmetics such as lipstick, foundation, blush-on, eyeliner, creams, perfumes, eye corrector, make-up removers and eye shadow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Oct 27, 2012
Currency Exchange Loss:
Nov 17, 2013