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Flor De Maria

Update on Flor De Maria

Flor, a humble 50-year-old woman, is a Kiva borrower who is a businesswoman. She works selling food and groceries. She is very grateful because her first loan was very helpful. It came to her in the moment she needed it most because she was able to invest more in her business, buying products that her customers want the most, like soup, juice, detergent, rice, sugar, oil, corn, and vegetables. She is very happy because she has been able to increase her sales and get better profits. She is why she needs a second loan: to continue expanding her business, buying products that she doesn't already carry, like sardines, beer, crackers, soda, and canned goods like tuna. One of her goals is to keep expanding her grocery store and improve her family's quality of life.
View original language description ↓
Doña Flor, una humilde señora de 50 años, es cliente Kiva, de oficio comerciante, se dedica a la venta de comida y pulpería, se siente muy agradecida porque su primer crédito le fue de gran ayuda porque le vino en el momento que mas lo necesitaba porque pudo invertir mas en su negocio comprando productos mas demandado por sus clientes como sopas, jugos, detergente, arroz, azúcar, aceite, maíz y verduras. La cual se siente muy satisfecha porque ha podido incrementar sus ventas y obtener mejores ganancias. Es por eso que hoy en día necesita de su segundo préstamo para seguir ampliando su negocio comprando productos que aun no tiene en existencias como sardinas, cervezas, galletas, gaseosa y productos enlatados como atún.
Una de sus metas es seguir creciendo en su pulpería y mejorar la calidad de vida de su familia.

Previous Loan Details

Flor, a resident of Managua, is a merchant. She has three children, ages 28, 26, and 22. She makes a living selling food, "pinolillo," a traditional drink made from corn, cinnamon, and cacao. She also has a local store. She started in the business world when she was very young. The first p... More from Flor De Maria's previous loan »

Additional 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
  • 32
    View loans »
    Nicaragua Loans Fundraising
  • $26,398,725
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Flor De Maria to buy sardines, beer, crackers, soda, and canned goods like tuna.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Mar 11, 2013
Mar 25, 2013
Currency Exchange Loss:
Dec 17, 2013