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Ivania Del Carmen
Ivania C. is 36 years old. She is a merchant, and the mother of two children who are in school. Her husband is an auto painter by trade, in order to help her with the household costs.

She is grateful to Kiva, as with the earlier loan she was able to invest in her business's inventory. Now she needs the loan in order to re-invest, and buy new clothing, shoes and cosmetics. By this means her earnings will grow, and at the same time, the number of her customers.

Ivania has such a passion for the business, that she is taking advantage of the season to sell the items that are sold in bulk at this period.

Her plan for the future is to improve her living conditions, so that she can always be investing in her business. One of her projects for 2012 is to improve her income and help her two small ones who need her so much.
View original language description ↓
La señora Ivania C. de 36 años de edad, comerciante, madre de dos hijos los cuales se encuentran en periodos de estudio. Su esposo tiene como oficio el ser pintor automotriz para apoyarle con los gastos del hogar.Agradece a Kiva ya que con el credito anterior pudo invertirlo en el inventario de su negocio. Ahora ella necesita el prestamo para realizar una re-inversion con la que comprara ropa nueva, zapatos y cosmeticos; misma que le servira de medio para que sus ganancias crezcan y a su vez el numero de sus clientes. Ivania le apasiona tanto el negocio que aprovecha las temporadas para vender los articulos que se venden por mayor en dichas etapas.Los planes hacia un futuro es mejorar sus condiciones de vida de manera que pueda siempre estarle invirtiendo a su negocio. Uno de sus poyectos en este 2012 es mejorar sus ingresos y ayudar a sus dos pequeños que tanto la necesitan.

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
  • 101
    View loans »
    Nicaragua Loans Fundraising
  • $24,818,275
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Ivania Del Carmen to buy new clothing, shoes, and cosmetics for her business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 31, 2012
Apr 20, 2012
Currency Exchange Loss:
Dec 15, 2012