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Belkis Del Carmen
Belkys is a young woman who wishes to improve the infrastructure of part of the kitchen at her mother’s house. That is why she is requesting the support, in order to be able to do that and improve the family’s quality of life.

She has been working for INTA [Nicaraguan Institute for Agricultural Technology] as a secretary for over eight years. It should be noted that she is known in her neighborhood for being very hard-working and responsible.
View original language description ↓
La joven Belkys deseaba mejorar la infraestructura de la parte de la cocina de la casa de su mamá, es por eso que solicita el apoyo para poder hacerlo y mejorar la calidad de vida junto con la familia. Actualmente ella labora para el INTA desempeñandose como secretaria por mas de 8 años. Cabe señalar que en su barrio es conocida por ser muy trabajadora y responsble.

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
  • 96
    View loans »
    Nicaragua Loans Fundraising
  • $25,011,000
    Funds lent in using Kiva
  • 23.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Belkis Del Carmen to improve the kitchen.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 19, 2012
Aug 3, 2012
Currency Exchange Loss:
Jul 18, 2013