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Maria Del Carmen
María lives in the municipality of Nindiri. She is a single mother. She has her two small children, 6 and 3 years old, in her charge. For five years she has been selling Herbalife products, and this is her main income for supporting her children. She needs a loan to finish building a small room for her children. Where she lives is just one big room, and she doesn't have any privacy because when people come to visit, everything is in the room, such as her bed, the kitchen, and other things.
View original language description ↓
La señora María, es habitante del municipio de Nindiri, ella es madre soltera, tiene a su cargo dos hijos pequeños de 6 y 3 añitos, desde hace cinco años se dedica a distribuir productos de herbalife ya que es su mayor ingreso económico para mantener a sus pequeños , ella necesita un préstamo para terminar de construir un pequeño cuarto para sus bebes ; ya que donde habita es un solo cajón y no puede gozar de privacidad ya que cuando hay visitas todo está en un mismo sitio como es la cama , la cocina , entre otras cosas.

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
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • 23.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Maria Del Carmen to buy construction materials.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 16, 2012
Mar 4, 2012
Currency Exchange Loss:
Jan 18, 2014