A loan of $450 helped to buy cosmetics, knick-knacks, plastic products, clothing, toys, and other merchandise.


Ernesto's story

Ernesto, 21, is married and has a nine-month-old son. He's from the town of Chinandega, located in the western part of the country, an area that has all types of businesses. It's a very productive region. Ernesto's known for being a responsible and very hardworking man. Unfortunately he wasn't able to finish his studies because he lacked the resources at home and he needed to work to help pay the household expenses. Now he has a family and he strives every day to give his little baby a future. Thanks to his effort and fighting spirit for getting ahead, he has a business selling a variety of merchandise. Specifically he has a sales route and sells a variety of products such as plastic products, clothing, children's toys, knick-knacks, cosmetics, gold jewelry, and decorations. He has steady and occasional customers. He distributes his products through various towns of Chinandega and collects payment for them weekly and biweekly. He carries out his work as a traveling salesman and on order. This man's work routine is some 10 hours a day selling his products to new customers. He carries out this noble job that supports his household with great pleasure. The goal of this loan is to invest in working capital and stock his business. This way he can offer better products to his steady, occasional, and potential customers and earn a better income for his household.

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Translated from Spanish by Kiva volunteer Catharine Wall



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