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Lily Del Carmen
Lily is 48 years old. She is single, and lives in her mother’s house in Juigalpa Chontales. She has worked as a janitor for BAC-Serlisa for the past four years. She is a very active person, and has lots of desire to get ahead. She is requesting her first housing improvement loan to begin building her own home. She hopes to realize her goal with loans little by little so that in the near future she will be able to have her own home and improve the quality of her life. This has been a dream she has wanted to realize for some time.
View original language description ↓
La Sra. Lily de 48 años de edad, es soltera, vive en casa de su mamá, en Juigalpa Chontales, trabaja como Conserje para el BAC-Serlisa desde hace 4 años; es una persona muy activa y con muchas ganas de prosperar. Solicita su 1er credito de mejoras de vivienda para iniciar la construccion de su casa de habitacion, lo que pretende logar poco a poco con creditos para en un tiempo no muy lejano poder tener su hogar propio y mejorar sus condiciones de vida que es su sueño que desde tiempo pasado ha querido cumplir.

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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,083,825
    Funds lent in using Kiva
  • 23.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Lily Del Carmen to build a house.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Aug 18, 2012
Sep 1, 2012
Currency Exchange Loss:
Jan 18, 2014