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Bradis Del Carmen

Update on Bradis Del Carmen

Mrs. Bradis' business is taxi transportation. The difficulties she has had are because of the high cost of gasoline currently, but this way Bradis earns her living in order to finance her basic expenses at home and those of her children who are still in school. In all of this, she has the support of her spouse. She is asking for a loan in order to continue improving the infrastructure of her house. This time, she will level the ceiling of her house, since when the sun is shining the heat is unbearable. With the loan, she will purchase materials such as fiberboard, screws, aluminum, wire, and pay for labor. This way, she will be able to continue the improvements on her house.
View original language description ↓
Doña Bradis su negocio es el transporte selectivo de taxi alquilándolo a un cadete, las dificultades que ha tenido son por el alto costo del combustible en la actualidad pero de esa manera Bradis se gana la vida para costear sus gastos básicos del hogar y la de sus hijos quienes todavía están estudiando, todo esto con la ayuda de su esposo. La señora está solicitando crédito para seguir mejorando la infraestructura de su vivienda, esta vez pondrá el cielo raso de su casa, ya que cuando el sol esta fuerte el calor es insoportable, con el préstamo comprara materiales como plycem, tornillos, aluminio, alambre y el pago de la mano de obra; de esa manera va avanzando las mejoras de su vivienda.

Previous Loan Details

Bradis is 35 years old and the mother of three children. She works in the transport sector and has her own taxi. She started her business with her husband’s savings some years ago. Bradis has encountered difficulties due to the cost of petrol, which rises daily. Her customers don’t want to pay... More from Bradis 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

  • $3,636
    Average annual income
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,384,075
    Funds lent in using Kiva
  • 23.8
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $1,475 helped Bradis Del Carmen to purchase materials such as fiberboard, screws, aluminum, wire, and to pay for labor.
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 24, 2012
Nov 1, 2012
Currency Exchange Loss:
Nov 30, 2012