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Lilliam Del Carmen
Dona Lilliam has worked as a teacher at the Cesar Augusto Salinas Pinell school in the Urbana de Nueva Guinea neighborhood for 15 years. She is married and has 2 children, a 13 year old boy who is in his first year of high school and an 8 year old girl who is in the 3rd grade. Her husband is the director of a radio station. They live in the Nueva Guineau neighborhood, a growing area. They share family expenses because they're a close family, practicing evangelicals. She is applying for her 8th loan and will use it to improve her ramshackle house. Lilliam is a professional woman who has strived to continue her studies. She's now finishing a masters in education. She's humble, responsible, honest and strongly driven to exceed at work and her studies. Her dream is to have a steady job, a lovely house and that her children study to become people of note.
View original language description ↓
Doña Lilliam labora como docente de la Escuela Cesar augusto Salinas Pinell en zona # 1 de zona Urbana de Nueva Guinea desde hace 15 años, es casada, tiene 2 hijos: el niño mayor tiene 13 años estudia su 1er año de educación secundaria y la niña de 8 años estudia su 3er grado, su esposo labora como director de una radio, viven en la zona # 1 de Nueva Guinea en un barrio creciente, ambos comparten los gastos familiares ya que son una familia bien unida que profesa la religion evangelica, está solicitando su 8vo refinanciamiento para invertirlo en mejora de su vivienda como es repellar la casa. Lilliam es una mujer profesional que ha luchado por seguir estudiando, actualmente esta terminando de estudiar una maestria en ciencias de la educacion, se caracteriza por ser humilde responsable, honesta y con muncho deseos de superación profesional y laboral, su sueño es tener estabilidad laboral, una vivienda bonita y que sus hijos estudien para que sean personas de bien.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Nicaragua

  • $4,800
    Average annual income
  • 105
    View loans »
    Nicaragua Loans Fundraising
  • $24,828,400
    Funds lent in using Kiva
  • 20.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Lilliam Del Carmen home improvements.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 21, 2009
Apr 17, 2009
Currency Exchange Loss:
Dec 15, 2009