A loan of $475 helped to buy children's clothing, cosmetics, china, bicycle parts, and other merchandise.


Carlos Manuel's story

Carlos is an adult with a common-law spouse and two children, ages 20 and 22. For 10 years he has made a living selling general merchandise such as underwear, cosmetics, china, a variety of clothing, and other things. He buys in Managua for merchants in Chinandega. In his business he also sells bicycle parts and accessories. He sells to grocery stores and others. He has regular and occasional customers. He gives credit and collects weekly and biweekly. Carlos knows his customers very well and they request more product variety. What's difficult for him in his time is to keep his inventory because he distributes it. He's very grateful to the Kiva lenders because they have given him the opportunity to get ahead in his business and give his family a better life. Currently he's requesting another loan to buy clothing for children and adults and, with part of it, bicycle accessories.

Translated from Spanish by Kiva volunteer



Loan details


Lenders and lending teams



Loan details