Celenia Del Carmen
Update on Celenia Del CarmenDoña Celenia is a hard-working woman. Despite the fact that she has not had the support of a husband, she has known how to take good care of her children since they were very young. Today she continues working as a caretaker in a private home, a job that doesn't meet her personal needs or those or her four children. Nevertheless, she is thankful to God first and then to Kiva and Afodenic, who have been the means for her to be able to offer her family members a decent life. The loan that she is requesting is to install plumbing for sewage in her home that will need the following construction materials: pipes, cement, bricks, glue, gravel, joints, etc. Completing this instalation will give her and her family better health conditions. Her future plan is to continue improving her home.
Previous Loan DetailsCelenia is a single mother and an enterprising woman. One of her two children works and helps her financially. The other is in high school. She has been working as a janitor for some time. She has a project to improve the infrastructure of her house and gradually she has been making improvements ... More from Celenia Del Carmen's previous loan »
About AFODENICThis 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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