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Xiomara Del Carmen
Xiomara is an enterprising woman who is passionate about commerce because she states that her business is the main source of income for her to provide her beautiful family with the best. Today, she continues having her husband’s moral and economic support.

Her long-term goal is to continue to renovate her business, to invest in such a way that when her customers request some product she’ll have it in stock. Her sales increased when she included more merchandise which she was able to do with and Afodenic financing she’s gotten in ten cycles.

With this tenth cycle of financing, she intends to buy an assortment of articles like: t-shirts, blouses, sandals, women’s lingerie, bath sandals, towels, men’s underwear, umbrellas, shorts, plastic children’s chairs and plastic items, among others.

She thanks the micro lender for the support it’s given to the growth of her small business and to her family’s socio-economic wellbeing.
View original language description ↓
Xiomara es una mujer emprendedora y apasionada al comercio, pues manifiesta ser el negocio su maxima fuente de ingresos para ella poderles brindar a su hermosa familia lo mejor. Hoy en dia sigue contando con el apoyo moral y economico de su señor esposo.Su meta a largo plazo es seguir renovando su negocio, invertir en el de manera que cuando sus clientes le soliciten cualquier producto lo pueda tener dentro de su inventario. Sus ventas incrementaron al inducir mas mercaderia, el cual lo logro con financiamiento que Afodenic le ha otorgado en diez ciclos.Con este su decimo ciclo de credito se propone comprar una variedad de articulos tales como: camisetas, blusas, sandalias, ropa intima de mujer, sandalias de baño, toallas, calsonetas para caballero, sombrillas, short, sillas plasticas para niños, articulos de plasticos entre otros. Agradece a la micro-financiera por el apoyo al crecimiento de su pequeño negocio y al bienestar socio-economico de su familia.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,409,250
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $1,300 helped Xiomara Del Carmen to buy clothes and other merchandise for her business.
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 30, 2012
Apr 23, 2012
Currency Exchange Loss:
May 23, 2012