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Josefa Del Carmen

Update on Josefa Del Carmen

Josefa lives in the municipality of Ticuantepe. She’s been working alongside her family in agriculture for many years and has known how to take advantage of her land. She needs this loan because her crops require maintenance and she will buy the following supplies and fertilizers: urea, Gesepex, Triple 20. Josefa thanks Afodenic who by means of Kiva funds supports her so she can get ahead and improve her life.
View original language description ↓
Doña Josefa habitante del municipio de Ticuantepe agricultora de muchos años junto a su familia a sabido aprovechar sus tierras, este credito lo necesita ya que sus cultivos requieren de Mantenimiento y comprara los siguientes insumos y fertilizantes: Urea, Gesepex, Triple 20. La señora Josefa agradece a Afodenic quien atraves de Fondos Kiva la han apoya a salir adelante y mejorar de vida.

Previous Loan Details

Sra. Josefa is a humble farmer who lives with her family in the District of Ticuantepe. Her plans for the future include improving their quality of life. The major challenge that she faced was dealing with problems detected with her reproductive system, which required an emergency operation. T... More from Josefa 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
  • 129
    View loans »
    Nicaragua Loans Fundraising
  • $24,576,775
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Josefa Del Carmen to buy farm supplies.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
At end of term
Nov 17, 2012
Dec 1, 2012
Currency Exchange Loss:
Feb 17, 2014