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Ramona Del Carmen
Ramona del Carmen L. H., age 54, lives in the Benjamín Zeledón neighborhood. She is married, and her husband works as a bricklayer. They have two grown children who live independently. However, the children help their parents financially.

She has worked as a janitor for over 12 years. They are a very humble family, and they live in a humble home. The walls and the roof are in precarious conditions. This poses a health and a security threat to the people who live there. That is why she is requesting a loan to buy building materials. These materials will allow her to finish remodeling in order to improve the living conditions for herself and for her husband.
View original language description ↓
La señora Ramona del Carmen L. H., tiene la edad de 54 años habita en el Barrio Benjamín Zeledón, es casada y su esposo labora como albañil, ellos tienen 2 hijos mayores de edad que sobreviven de manera independiente, pero apoyan económicamente a sus padres, la señora labora como conserje desde hace mas de 12 años, ellos son una familia muy humilde que habitan en una humilde vivienda que las paredes y techo se encuentran en condiciones precarias, y que amenazan la salud y seguridad de los que ahí moran, es para su préstamo que solicitan un préstamo para la compra de materiales de construcción que le permitan llevar a cabo estas remodelaciones para mejorar las condiciones en las que ella y su esposo habitan.

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
  • 94
    View loans »
    Nicaragua Loans Fundraising
  • $25,011,000
    Funds lent in using Kiva
  • 21.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Ramona Del Carmen remodeling her home.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Oct 29, 2010
Dec 1, 2010
Currency Exchange Loss:
Oct 15, 2011