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Esperanza Del Carmen
Esperanza is 47 years old and lives in the town of San Juan de la Concepción. She started her business with a severance package she had from a previous job in the Free Trade Zone of Managua where she worked for 8 years. Little by little she invreased her inventory with loans from other finance institutions. Today she is asking for a loan from AFODENIC to buy basic grains, canned goods, deli meats, dairy products, pastries, meats and snacks to increase her business inventory. She is a single mother of 2 children whom she works to support every day for a better future. They help her in the business. At first it was difficult due to lack of business experience, but over time she learned and today it is going well for her.
View original language description ↓
Doña Esperanza tiene la edad de 47 años vive en el municipio de San Juan de la Concepción, dio inicio a su negocio con liquidación que obtuvo de su trabajo anterior en una zona franca de Managua donde laboro 8 años, poco a poco fue incrementando su inventario con créditos obtenidos de otras casa financieras. Hoy en día solicita apoyo de crédito con AFODENIC para la compra de granos básicos, productos enlatados, embutidos, lácteos, repostería carnes y golosinas, para aumentar el inventario de su negocio; ella es soltera madre de 2 hijos por los que trabaja a diario para darles el sostén de cada día y un mejor futuro, tiene el apoyo de ellos en el negocio, al comienzo fue un poco difícil por la falta de experiencia en el negocio pero con el tiempo fue aprendiendo y hasta el día de hoy le va bien.

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
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,770,775
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Esperanza Del Carmen to buy deli meats, dairy products, pastries, meat and snacks.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 10, 2012
Nov 1, 2012
Currency Exchange Loss:
May 17, 2013