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Emina Del Carmen
Mrs. Emina del Carmen G. P., 28, lives in a humble neighborhood. She’s married and her husband works as an Electrical Engineer for Unión Fenosa; his income helps support the household. They have three small children who are in elementary school; the youngest is in preschool.

Emina sells clothes, shoes and cosmetics. On the weekend she sets up a small eatery in her front yard to sell typical Nicaraguan dishes.

This activity has provided income for over 7 years and she wants to save up until she has enough resources to open a clothing store.

She is asking for funds to buy a large stock of merchandise to increase sales and income so that she can be planning her future investments as well as continue to improve the family’s economy for the benefit of all the family members.
View original language description ↓
La señora Emina del Carmen G. P., tiene la edad de 28 años vive en un humilde barrio, es casada, su esposo labora como Ingeniero Eléctrico y labora para Unión Fenosa con sus ingresos le apoya a los gastos del hogar, ellos son una familia de 3 hijos pequeños que actualmente estudian la escuela primaria y el menor cursa el preescolar. La señora Emina se dedica a comercializar ropa, zapatos, cosméticos y los fines de semana instalan a las afueras de su hogar, un pequeño comedor de comida popular de Nicaragua. Tiene más de 7 años de tener un ingreso económico a través de esta actividad, desea ahorrar hasta tener los recursos necesarios para la apertura de una tienda de ropa, pero solicita un préstamo para la compra de un mayor inventario de mercadería que le permita aumentar las ventas y sus ingresaos para la planificación de sus futuras inversiones, así mismo la mejoría continua de la economía familiar para el beneficio de los miembros de su 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
  • 95
    View loans »
    Nicaragua Loans Fundraising
  • $24,742,900
    Funds lent in using Kiva
  • 21.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Emina Del Carmen to buy a larger inventory of merchandise.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Aug 2, 2010
Sep 2, 2010
Currency Exchange Loss:
Jun 15, 2011