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Gray Emilia
Gray Emilia is an adult woman who is married and has three young children. She is originally from one of the towns in Chinandega, which is located in the western part of the country. This area is known for its beautiful beaches, commerce, and tourism.

Gray Emilia is known as a hardworking and responsible woman who has the drive to succeed on a personal level. She started her business at a very early age so that she could help with the household expenses. Gray Emilia is the owner and manager of a small general merchandise store located in her home. She offers different styles of clothing for young people, children, and adults. These items include trousers, skirts, blouses, shorts, and shirts, as well as bedding, shoes, school supplies, toys, and sodas. She also offers cosmetic products such as make-up, crèmes, shampoo, and other items. Gray Emilia purchases her goods with cash in another town, so she must travel there on a weekly basis. She has both established and occasional customers. Her sales are conducted on a cash basis.

One of her dreams is to see her children finish their degrees and become professionals. She also wants to grow her business even more so that she can provide a better future for her children. The purpose of this loan is to invest it as operating capital so that she can restock her business of buying and selling new clothes and cosmetics. In the near future, she wants to generate more income.
View original language description ↓
Gray Emilia, mayor de edad casada con tres hijos menores de edad, originaria de uno de los municipios de Chinandega ubicado en el occidente del país, zona que se caracteriza por sus hermosas playas, comercio, turismo, se caracteriza por ser una mujer trabajadora, responsable con ganas de superación personal, inicia sus negocio desde muy temprana edad para ayudar con los gastos del hogar, Gray es una microempresaria propietaria y administradora de una tienda de mercadería en general ubicado en su casa de habitación donde ofrece variedades estilos de ropa de vestir para Jóvenes, Niños y adultos, pantalones, faldas, blusas, short, camisas, ropa de cama,zapatos, útiles escolares juguetes,gaseosas, también productos de cosméticos como: maquillajes, cremas, shampoo, entre otros, sus compras las realiza al contado en otro municipio del país donde viaja semanalmente, tiene clientes fijos y eventuales sus ventas son al contado, uno de sus sueños es poder ver a sus hijos terminar una carrera y siendo unos profesionales, también el de crecer mas en su negocio y de esa manera ofrecerles un mejor futuro a sus hijos. El objetivo del crédito es invertir en capital de trabajo y surtir su negocio en la compra y venta de ropa nueva, cosméticos para que en un futuro no muy lejano pueda obtener mejores ingresos.

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
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 25.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Gray Emilia to buy new clothing, cosmetics, shoes, and other items to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 11, 2014
Apr 1, 2014
Currency Exchange Loss:
Jan 17, 2015