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Ana Marlene
This young woman is 29 years of age and has initiative. She is originally from Puerto Cabezas and is a single mother of three school-age children. Approximately nine years ago, she established her own business of selling cosmetics and beauty accessories. The profits she earned enabled her to open a new clothing store at the municipal market.

The borrower is requesting a loan in order to buy shoes for women and children, sandals, boots, shorts, T-shirts for all ages, and dresses. Her merchandise is purchased in Managua and then sold at affordable prices. Thanks to the two previous loans she received from Pana Pana and the profits from her business, she has been able to build a concrete security wall so that she can live safely since it was previously made of another material.

Her dream is to continue growing her business and to support her children.
View original language description ↓
Es una joven de 29 años con iniciativa, originaria de Puerto Cabezas, madre soltera de tres hijos en edad escolar. Desde hace aproximadamente 9 años estableció su propio negocio de venta de cosméticos ya accesorios de belleza, con las ganancias percibidas, le ha permitido establecer su tienda de ropa nueva en el mercado municipal. Solicita financiamiento para comprar: zapatos para damas y niños, sandalias, botas, short, camisetas para mujeres, hombres y niños, vestidos. La mercadería la compra en Managua para venderla a precios accesibles. Gracias a los dos financiamientos anteriores que recibió de PANA PANA y con las ganancias de su negocio, le ha permitido construir su muro de concreto, para vivir de manera de segura, debido a que anteriormente era de maya. Su sueño es que su negocio continúe creciendo y apoyar a sus hijos.

Additional Information

About Pana Pana

Pana Pana is a nonprofit civil association founded in 1990 in Nicaragua. The organization’s official name is Asociacion para el Desarrollo de la Costa Atlantica (Association for the Development of the Atlantic Coast) but they have always been know as Pana Pana which means “mutual help” in the local language.

Pana Pana offers loans for commerce, housing, and a small number of agriculture loans. They also have a small social development unit that runs Pana Pana’s non-financial services. This includes technical assistance for housing loans and the development of a water and sanitation project.


About Nicaragua

  • $4,800
    Average annual income
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,767,775
    Funds lent in using Kiva
  • 25.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Ana Marlene to buy women's and children's shoes, sandals, boots, shorts, T-shirts, and dresses.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 29, 2013
Dec 31, 2013
Currency Exchange Loss:
Jan 17, 2015