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Concepción Del Carmen

Update on Concepción Del Carmen

Concepción is 48 years old and from a farming family. She works in the fields as well as working as a maid in the mornings every day. She is a single mother of one son who attends school. Her primary goal is that he finishes his university studies and improves his life condition so that he does not have to face difficulties like those she had at the beginning because of her lack of money for her crops. However, now she has found the solution with AFODENIC through Kiva loans. This is her fifth loan. She is requesting it to provide maintenance to her citrus (lemon and orange) crops. She needs to purchase manure, fertilizer, and insecticide so that she can obtain good production for her customers.
View original language description ↓
Doña Concepción, de 48 años de edad de familia agricultora, se dedica al cultivo además de esta labor trabaja como empleada doméstica en el turno de las mañanas todos los días, es madre soltera de un hijo que está estudiando y su principal meta es que él finalice su carrera profesional y mejorar sus condiciones de vida aunque tenga que atravesar dificultades como la que tuvo a inicios por la falta de financiamientos para el cultivo, pero hoy en día ha encontrado la solución con AFODENIC a través de fondos KIVA, este es su quinto crédito que solicita para darle mantenimiento a una manzana de cítricos (limón y naranjas) para el cual necesita comprar abono, urea, completo e insecticidas y de esa manera obtener buena producción para sus clientes.

Previous Loan Details

Concepción del Carmen B. S. is 46 years old. She is a single mother with a grown-up son who is currently at university. With the support of her parents she managed to acquire a plot of land and learn how to farm. She is a very hard-working woman who took care of her son and worked hard to get ... More from Concepción 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 Nicaragua

  • $4,800
    Average annual income
  • 102
    View loans »
    Nicaragua Loans Fundraising
  • $24,739,175
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Concepción Del Carmen to purchase manure, fertilizer, and insecticide.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Oct 10, 2012
Nov 1, 2012
Currency Exchange Loss:
Nov 17, 2013