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Thelma del Socorro C. Blanco is a hardworking, courageous, and enterprising woman. After she was widowed 15 years ago, she began a business selling Avon and Zermat cosmetics. Her business helped her through that sad time and allowed her to support her two children, who were 4 and 6 years old at the time.
With this loan, she will purchase cosmetics, creams, and beauty treatments.
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Translated from Spanish by Kiva volunteer anonymized. View original language description.
La señora Thelma del Socorro C. Blanco, fémina trabajadora, esforzada y emprendedora quien desde que enviudo hace 15 años se dedicó al comercio de productos Avon y Zermat negocio que le ayudo a superar ese momento triste y sacar adelante a sus dos hijos quienes en ese entonces tenían 6 y 4 años.
Ella con el crédito comprara unos encargos que tiene de cosméticos, cremas, tratamientos etc.
Nicaragua is experiencing a political crisis. Protests have resulted in the loss of life and a partial economic paralyzation of the country. Kiva is committed to supporting our field partners and borrowers during this difficult time. However, should you chose to lend to a borrower in Nicaragua, please be aware that the political unrest poses extra risk for both borrowers and Kiva field partners. Delinquency rates could increase while the crisis is ongoing.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
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