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Marisella Del Carmen
Marisella is single. She works as a nurse in the zone Providencia, 34 km from Nueva Guinea. She is requesting her second loan with AFODENIC to invest in the purchase of building material to repair and build the floor of her room. She gets up very early every day to do her chores and then commute by bus at 5:00 am to her work which starts at 8:am. Even if she does not have any children she helps her mother with the family expenses as they are very united. It is her dream to build her own house to be more comfortable, to have work, health and to continue her studies to become an excellent professional. It is her goal for next year to study a bachelor's degree in order to increase her knowledge.
View original language description ↓
Marisella es soltera, trabaja en la colonia Providencia a 34 km de Nueva Guinea como enfermera, esta solicitando su 2do crédito a AFODENIC para inventirlo compra de materiales de construcciòn para repellar y hecharle el piso que le hacen falta a su habitaciòn, todos los dias tiene que madrugar para dejar hechos sus quehaceres del hogar y viajar en el camiòn que sale a las 5 de la mañana para estar a las 8 en punto en su trabajo, a pesar que no tiene hijos le ayuda a su mamà con los gastos familiares, ya que son una familia muy unida, su sueño es terminar de construir su vivienda para tener mejor comodidad, contar con trabajo, salud y seguir estudiando para llegar a ser una excelente profesional, tiene como meta el proximo año estudiar una licenciatura para asi mejorar mas sus conocimientos.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 20.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,125 helped Marisella Del Carmen repair a room and build the floor.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 26, 2009
Sep 17, 2009
Currency Exchange Loss:
Apr 15, 2011