A loan of $300 helped to buy general merchandise including clothes, shirts, dresses, cosmetics, and other items.


Cristobal Daniel's story

Cristóbal Daniel is an adult married man with a young child for whom he is responsible. He 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, tourism, and the retail trade. Throughout his life, Cristóbal has been a very determined and hard worker who has the drive to succeed on a personal level. This has allowed him to accomplish each of his goals and dreams. He was not able to finish his high school studies. Since his family had limited financial resources, Cristóbal could not continue his education. Today he dreams of seeing his son become a professional.

Cristóbal Daniel is a small entrepreneur who has a business of buying and selling general merchandise such as trousers, shirts, dresses, shorts, T-shirts, undergarments, cosmetics, perfumes, school supplies, and plastic goods. His daily schedule begins very early and he spends approximately eight hours each day as a traveling vendor, taking orders from his customers, both established and occasional. He makes his purchases with cash at the wholesale markets in other towns and from distributors. His sales are conducted with cash or on credit, and then he collects payments on a weekly or bi-weekly basis.

The purpose of this loan is to invest it as operating capital so that he can restock his business of buying and selling merchandise. This will allow him to fulfill the various orders from his customers so that he can generate more income. Cristóbal Daniel appreciates the assistance that Kiva lenders provide to people who have limited resources and come from poor countries, such as Nicaragua, so that then can earn a decent living.

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Translated from Spanish by Kiva volunteer Ronan Reodica



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