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Ana Bertha
Ana is 42 years old and originally from Leon, a place that is located in the western region of the country. She is a responsible single mother with children under her responsibility. She is characterized as being hard-working, with a desire for personal growth. Since she has been very young she has worked, and she could not study for a professional career due to lack of economic resources. This situation of adversity has helped her to want to provide a stable future to her children, economically and emotionally.

Thanks to her efforts and desire to move forward she sells cosmetics by traveling to different neighborhoods and by order, including perfumes, blush, eye shadow, eyeliner, creams, body spray, lipstick, concealer, and anti-wrinkle creams. She works in her business for 8 hours a day offering her product, with a weight of about 15 kilograms daily to transport her products. The objective of the loan is to invest in working capital and to stock her store through the purchase and sale of cosmetics, so that in a not-very-far future she can obtain better income. Ana is thankful to the Kiva investors who provide to people of scarce resources and poor countries like Nicaragua in order to have a dignified way of work.
View original language description ↓
Ana, de 42 años de edad, originaria de Leon, lugar que está ubicado en la zona de occidente del país. Madre soltera responsable con hijos menores de edad bajo su responsabilidad. Se caracteriza por ser trabajadora, con ganas de superación personal. Ella desde muy joven se dedico a trabajar y no pudo cursar una carrera por falta de recursos económicos. Esta situación de adversidad le ha ayudado para querer brindarles un futuro estable a sus hijos económicos y emocionales.

Gracias a su esfuerzo y sus ganas de salir adelante tiene por actividad económica la venta de cosmético de forma ambulante y por encargo como perfumes, rubor, sombra, lápiz de ojos, cremas, bodis, labiales, delineadores, cremas anti ojeras, anti arrugas. Ella dedica a su negocio unas 8 horas diarias ofreciendo su producto, con un peso de unos 15 kg diariamente para transportar sus productos. El objetivo del crédito es invertir en capital de trabajo y surtir su negocio en la compra y venta de cosméticos, para que en un futuro no muy lejano pueda obtener mejores ingresos. Ana agradece la ayuda que los inversionistas kiva les brindan a personas de escasos recursos y países pobre como es Nicaragua para tener un medio de trabajo digno.

Additional Information

Fundación Leon 2000

This loan is administered by Fundación Leon 2000. Fundación Leon 2000 began operations in 1993 as the first microfinance institution to serve the western part of Nicaragua, a country which continues to be one of the poorest in the western hemisphere. Fundación Leon 2000 works to further the development of micro, small, and medium enterprises through credit services and management, applying the best credit industry practices and technical expertise. Additionally, Fundación Leon manages several business and financial education programs in the community, specifically for young entrepreneurs and at-risk youth. Fundación Leon 2000’s group of experienced and dedicated employees works in 7 offices in Leon, Chinandega, Chichigalpa, Somotillo, Jinotepe, El Sauce, and Nagarote and serves several thousand clients (the majority of whom are women).


About Nicaragua

  • $4,800
    Average annual income
  • 60
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Ana Bertha to invest in working capital and stock her business through the purchase and sale of cosmetics like perfumes, blush, eye shadow, eyeliner, creams, body spray, lipstick, concealer, and anti-wrinkle creams.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 22, 2013
Nov 11, 2013
Currency Exchange Loss:
Sep 17, 2014