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Yamileth Del Carmen
Yamileth and her husband both work as teachers in different schools. They work up to double shifts in order to cover the expenses of their home and so to provide for the support of their two children, students aged 18 and 19. They have sacrificed much to help them get ahead. Yamileth is applying for a loan for the first time with Afodenic to build a wall for her house, for which she needs to buy blocks, cement, iron, sand and gravel, with the objective of securing her home and living in privacy.
View original language description ↓
Doña Yamileth junto a su esposo ambos trabajan como docentes en diferentes colegios ellos trabajan hasta por dos turnos para cumplir con los gastos del hogar y así brindarle la buena manutención de sus dos hijos quienes son jóvenes estudiantes de 18 y 19 años los cuales le ha costado muchos sacrificios sacarlos adelante, doña Yamileth solicita apoyo de crédito por primera vez con Afodenic para levantar el muro de su casa por lo que necesita comprar bloques, cemento, hierro, arena piedrines esto con el objetivo de asegurar su casa y vivir en privacidad.

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
  • 125
    View loans »
    Nicaragua Loans Fundraising
  • $24,551,600
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $750 helped Yamileth Del Carmen to buy blocks, cement, iron, sand and gravel.
99% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jan 31, 2013
Feb 4, 2013
Currency Exchange Loss:
Jul 17, 2014