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Martha Genara
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Martha Genara F. is a native of the city of Bluefields. She is 45 years old and married to Pedro Miguel Sevilla. They have 9 children. For the past 9 years Martha has been the owner of a stand where she sells clothing for women, men and children. This is the family´s only source of income. Her customers are men and women of all ages who prefer to buy from her because of the variety of goods she has. Currently, she needs to buy 10 dozen pants at $8.00 dollars per dozen, 12 shirts at $3.00 dollars per shirt, 24 children´s dresses at $14.00 dollars per unit, and other clothing. With this investment she can increase her earnings and meet her customers´ needs.

Translated from Spanish by Molly Puglisi, Kiva volunteer.

La Sra. Martha Genara F. es originaria de la ciudad de Bluefields, tiene 45 años de edad, esta casada con el Sr. Pedro Miguel Sevilla ambos tienen 9 hijos. Martha hace 9 años es propietaria de un tramo donde vende ropa para mujeres, hombres y niños, siendo este el único ingreso de esta familia, sus clientes son hombres y mujeres de todas las edades que la prefieren por ofrecer una variedad de productos, en estos momentos necesita comprar 10 docenas de pantalones a $ 8.00 dólares la docena, 12 unidades de camisas a $ 3.00 dólares la unidad, 24 unidades de vestidos para niñas a $ 14.00 dólares la unidad y otra ropa. Con esta inversión podrá aumentar su ganancia y satisfacer a sus clientes.

Additional Information

Important Information

Please note that Kiva considers loans from this Field Partner, ADEPHCA, to be particularly high risk. This organization is very small and started working with Kiva before certain core risk and due diligence policies were put into place. ADEPHCA organization would not fit under Kiva’s current partnerships criteria because they do not have any audited financial statements, they do not have established internal controls, and they currently have no other sources of funding than Kiva. Kiva continues to allow ADEPHCA to raise funds on the website for two reasons. First, if Kiva were to abruptly end the partnership we believe there would be a higher risk of loss for lenders, since cutting off the Kiva funding source would put ADEPHCA in a financially distressed position. In addition, since ADEPHCA provides loans in some of the poorest and most remote areas of Nicaragua where there are almost no other options for funding, we believe these loans could still be of interest to lenders even considering the increased risk.

About Nicaragua

  • $4,800
    Average annual income
  • 53
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $650 helped Martha Genara buy pants, shirts, t-shirts, dresses for children and lingerie for women.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 24, 2008
Jun 1, 2008
Currency Exchange Loss:
Jul 23, 2009