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Tereza Del Carmen
Señora Tereza lives in the municipality of Ticuantepe, with her two daughters aged 23 and 14. The elder daughter works and contributes to the household expenses and younger daughter studies and helps out with household chores.

Señora Teresa is a single mother and has worked for the Ministry of Health for 16 years. During this time, with great effort, she has been able to build her home. She now needs support to build a wall for the house, as on several occasions her house has been broken into. The house is empty all day as Señora Tereza goes to work very early and does not get back until the evening.

She is grateful for the trust placed in her by Kiva Field Partner, Afodenic, who, through the Kiva fund, is providing her with a loan to buy construction materials for the wall. With this loan she will be able to enjoy better living conditions, especially for her daughters who are at an age where they need good security. This investment will bring her greater peace of mind, as she has no family to support her.
View original language description ↓
La señora Tereza habita en el municipio de Ticuantepe, junto a sus dos hijas de 23 y 14 años, la mayor trabaja y le apoya con los gastos del hogar y la de quince estudia y apoya en las actividades del hogar, doña Teresa es madre soltera desde hace 16 años labora para el Ministerio de Salud, durante este tiempo con mucho esfuerzos ha logrado construir su vivienda y ella en estos momento necesita apoyo para hacer un muro de la vivienda ya que en varias ocasiones se le han metido a robar por la casa queda sola ya que la señora desde muy temprano se va al trabajo y regreso en las horas de la tarde. Agrade la confianza de Afodenic que atreves de fondo Kiva que le facilitan el financiamiento para poder comprar materiales de construcción para este fin, con el préstamo podrá tener mejores condiciones de habitad sobre todo para sus hijas debido a que las edades que por las edades que poseen requieren de mucha seguridad. Esta inversión le traerá una mayor tranquilidad a su madre, ademasd e esto ella no cuenta con el apoyo de ningun familiar.

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

  • $3,636
    Average annual income
  • 115
    View loans »
    Nicaragua Loans Fundraising
  • $23,803,650
    Funds lent in using Kiva
  • 21.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Tereza Del Carmen to build a wall.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 20, 2010
Dec 1, 2010
Currency Exchange Loss:
Nov 15, 2011