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Amparo Del Carmen

Update on Amparo Del Carmen

Amparo is a determined woman. She is married, and has a family of three children, all of whom are now independent. She continues to work selling clothing and cosmetics by catalog. She started with her own savings, but later with microloans that gradually helped her increase her business's inventory.

Nowadays, she has the support of her three children and of her husband, who is a security guard. However, she asserts that she is one of those people who have never liked to depend on anyone, so that she has always liked to earn her own money, and that way satisfy all her basic needs.

On this occasion, the greatest project she has is improving her home's infrastructure, so that her family will have protection and safety. With the loan, she will buy construction materials that will help her change the level of the walls of her house, and improve the roofing also. She is grateful for the help of the microfinance institution; for their support in improving her standard of living and the condition of her house.
View original language description ↓
Doña Amparo es una mujer luchadora, casada con una familia de tres hijos ya todos independientes ella continua dedicandose a la venta de ropa y comesticos por catologo, empezando con ahorros propios pero luego con micro-creditos que fueron ayudandandole a que el inventario de su negocio aumentara. Hoy en dia cuenta con el apoyo de su tres hijos y de su señor esposo quien es guarda de seguridad, sin embargo asegura ser de las personas que nunca le ha gustado depender de nadie por lo que siempre le ha gustado mantener su propio dinero y de esa manera sastifacer todas sus necesidades basicas. En esta ocasión el mayor proyecto que tiene es mejorar la infraestructura de su vivienda asi su familia tendra proteccion y seguridad. Con el prestamo comprara materiales de construccion que ayudaran a cambiar el nivel de paredes de su hogar y el entechado del mismo. Agradece el apoyo de la micro-financiera por el apoyo a mejorar su nivel de vida y el de su vivienda.

Previous Loan Details

Amparo is single and works as a merchant. She is a hardworking woman who has plans to improve the infrastructure of her home. Amparo has been in the business of selling cosmetics for some time. She started out using her own savings, but she has encountered difficulties due to the rise in price... More from Amparo Del Carmen's previous loan »

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.

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.

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
  • 75
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Amparo Del Carmen to raise the level of the walls, and improve the roofing on her house.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 26, 2012
Apr 15, 2012
Currency Exchange Loss:
May 17, 2013