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Bertha Adilia

Update on Bertha Adilia

Doña Bertha is 40 years old. Her partner is a self employed construction worker, and they have three children. The oldest, who is 18 and already working, studies, and helps them.Their business is selling clothes, footwear, cosmetics and domestic appliances.

She needs this fifth loan to stock up on these goods. The investments she has already made have helped to improve her life, by saving their earnings and making their home more comfortable. She hopes to continue investing in the business and gain more customers.

She also works at a wholesaler there. There she earns more money so that she can break even with the expenses. She wants her children to make the most of their studies and better themselves.
View original language description ↓
Doña Bertha de 40 años, su compañero de vida albañil trabaja por su cuenta propia, tienen tres hijos el mayor de 18 años ya trabaja, estudia y le ayuda a ellos, su negocio es venta de ropa, calzado, cosméticos, electrodomésticos, este quinto crédito lo necesita para surtir con todo lo mencionado, con las inversiones que ha hecho le ha ayudado un poco a mejorar su vida, con ahorros ganancias y mejor comodidad para su hogar, ella espera seguir invirtiendo en el negocio, aumentar sus clientes, también trabaja en una distribuidora de alli allí obtiene otros ingresos para lograr un equilibrio en los gastos, ella desea que sus hijos aprovechen sus estudios y se superen.

Previous Loan Details

Doña Bertha has a small business out of her home selling clothes. She has been increasing her inventory to introduce more variety, which she has achieved with a loan from Afodenic. She is married and the mother of three children. He husband works in construction. Earlier she worked in domest... More from Bertha Adilia's previous loan »

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.

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
  • 72
    View loans »
    Nicaragua Loans Fundraising
  • $25,768,275
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Bertha Adilia to buy clothes, footwear, cosmetics and domestic appliances.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Oct 22, 2012
Dec 1, 2012
Currency Exchange Loss:
May 17, 2013