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Vilma Del Carmen
Vilma has managed to have her own business and feels satisfied in that she is able to be an independent woman. She has 2 children who are in school in order to have a better future. Her husband is a lawyer and they have been making improvements to their house. She has had a business selling food and drinks for a number of years. With the help of her husband and loans she has managed to make her sales grow. The sale of food requires a lot of capital in order to make a varied menu and gain clients, as well as to buy tables, chairs, utensils, etc. With this loan she wants to invest in the purchase of staple grains, dairy products, meat, chicken, fruit, candies, and soft drinks among other products, to prepare the rich dishes and to continue to strengthen her small eatery for a better future for her family. This financing allows Vilma and many other Nicaraguans to have the opportunity to grow as responsible women working for their families.
View original language description ↓
Doña Vilma ha logrado tener su propio negocio y se siente sastifecha por ser una mujer independiente, procreo dos hijos los cuales están cursando los estudios para un porvenir mejor. Su esposo es abogado y han venido haciendo mejoras a su casa, ella vende comida, refresco desde hace varios años, con ayuda de su esposo y préstamos ha logrado crecer en las ventas, la venta de comida se requiere de mucho capital para hacer un menú variado y captar clientes, así como comprar mesas, asientos, utensilios entre otros. Con este préstamo quiere invertir en la compra de granos básicos, lácteos, carnes, pollo, frutas, golosinas, gaseosas entre otros productos para preparar los ricos platillos y seguir fortaleciendo su pequeño comedor para un futuro mejor de la familia todo esto lográndolo por los financiamiento que como muchas familias Nicaragüenses, tenemos la oportunidad de crecer como mujeres responsables, trabajadora de nuestra familia.

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 Nicaragua

  • $4,800
    Average annual income
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 20.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Vilma Del Carmen to buy staple grains, dairy products, meat, chicken, fruit and candies to prepare the meals.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 11, 2009
Dec 12, 2009
Currency Exchange Loss:
Feb 15, 2011