A loan of $1,125 helped to buy clothing, shoes, cosmetics, and other merchandise.


Silvia Maria's story

Silvia María is married and has three children. She lives in Chinandega, in the western part of the country. Silvia makes a living selling general merchandise such as clothing for children and adults, cosmetics, shoes, gold jewelry, silver, knick knacks, decorations, etc. She makes her purchases in Managua, the capital of the country, and sells to vendors in León and Chinandega. She has steady and occasional customers. She leaves the majority on credit and collects biweekly and weekly. All her merchandise is in accounts receivable because she delivers most of it to her regular customers. This is why her demand has increased, because of the good prices she offers her customers and the excellent quality of the merchandise. Silvia's very grateful to the Kiva lenders because she has managed to keep on improving her home and giving her children a better life. She gets up very early and goes out to deliver merchandise. She's also recovering her earnings. Silvia's requesting this loan for working capital to increase her business more and to offer her customers new products.

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Translated from Spanish by Kiva volunteer Catharine Wall



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