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Karla Estebana
Ms. Karla is forty-six-years-old, married, and lives in the Villa Reconciliación neighborhood in the city of Managua. She has six children, five of whom are independent and one of whom is studying at the university. They are seventeen, nineteen, twenty, twenty-one, twenty-four, and twenty-six-years-old. Her husband is a driver. Ms. Karla has a local store, which she started with her own funds. With the help of her husband and her children, she started selling a few products. Now, she has had the store for eight years, and the inventory of the store has increased. She is requesting a loan to invest in the store and to purchase products such as basic grains and cleaning products. This way, the supply for her clients will not decrease. Mrs. Karla’s goal is to be able to finish giving her youngest child an education to prepare him for a professional career.
View original language description ↓
Doña Karla tiene 46 años de edad, es casada y habita en el barrio Villa Reconciliación de la ciudad de Managua, tiene seis hijos, de los cuales cinco son independiente y uno esta estudiando en la universidad las edades son de 17,19, 20,21, 24, y 26 años de edad. Su esposo es conductor. Doña Karla tiene una pulpería, que inició con fondos propios y con ayudad de su esposo e hijos, empezó vendiendo pocos productos, ahora la pulpería ha incrementado su inventario, tiene ocho años de tener la pulpería. La solicitud de crédito es para invertir en la pulpería en la compra de productos como granos básicos y productos de limpieza, y así no desmejorar la oferta para sus clientes. La meta de Doña Karla es poder terminar de darle estudios a su hijo menor para prepararlo profesionalmente.

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
  • 69
    View loans »
    Nicaragua Loans Fundraising
  • $25,768,625
    Funds lent in using Kiva
  • 19.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Karla Estebana purchase of basic grains and cleansing products for her local store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 9, 2008
Sep 25, 2008
Currency Exchange Loss:
Nov 15, 2009