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Ruth Dávila
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Ruth is a young woman, 23 years of age. She is married and lives in the town of Ticuantepe, which belongs to the city of Managua. Ruth has known since she was very young what it is to work in order to earn a living; her parents do not have much money and she has had to help support them. However, now that she is married, she must work for the survival of her own family.

She and her husband have not yet had any children. They work very hard so that when the day comes that they do have children, they will be able to give them a dignified life. Ruth’s husband works as a driver and, like her, contributes to the household expenses. Ruth has been selling clothing for the past nine years. She began the business with her own savings and it has grown little by little in the amount and variety of clothing that she has for sale.

The loan she is requesting will be invested in buying more clothing because she currently does not have much inventory. She hopes to buy more so that she can have better sales and thereby hold on to her customers.

Translated from Spanish by Jennifer Day, Kiva Volunteer.

Ruth es una joven de 23 años de edad, es casada, y habita en el municipio de Ticuantepe de la ciudad de Managua. Ruth desde muy joven sabe lo que es trabajar para ganarse la vida, ya que sus padres son de escasos recursos económicos y los ha tenido que apoyar. Pero ahora que ya está casada debe velar por la superviviencia de su familia.

Hasta elmomento no han procreado hijos, es por eso que trabajan muy duro para que el día que vengan los hijos puedan darles una vida digan. El esposo de Ruth trabaja como conductor y al igual que ella aporta para los gastos de su hogar. Ruth se dedica a la venta de ropa y desde hace nueve años está en este negocio.Empezó la venta con ahorros propios y ha ido creciendo poco a poco en la cantidad y variedad de ropa que ofrece.

El préstamo solicitado lo invertirá en compra de productos ya que actualmente no cuenta con mucha inventario y desea reforzarlo para así poder obetener más ventas y tambíen retener a sus clientes.

Additional Information


This loan is administered by AFODENIC, La Asociación para el Fomento al Desarrollo Nicaragua, a Kiva Field Partner based in Managua, Nicaragua. Founded in 1999, AFODENIC was created to promote the socio-economic and cultural development of sectors that are excluded from commercial banking. Integrating economic and human resources, AFODENIC offers affordable and adaptable financial services aimed at strengthening the family unit of their clients, who include students, producers, and micro- and small entrepreneurs from rural and urban areas. AFODENIC is a socially responsible institution engaged in society and making a positive impact on its professional partners and communities.

Supporting a borrower through AFODENIC contributes to the pursuit of innovation in mitigating poverty in Nicaragua. Visit AFODENIC’s partner page for more information.

About Nicaragua

  • $4,800
    Average annual income
  • 74
    View loans »
    Nicaragua Loans Fundraising
  • $25,787,975
    Funds lent in using Kiva
  • 19.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Ruth Dávila to buy clothing with which to stock her store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 24, 2008
Jul 10, 2008
Currency Exchange Loss:
Feb 15, 2009