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Llinset Del Carmen

Update on Llinset Del Carmen

Llinset is married with three children, two of whom are in college and one of whom is in high school. She helps her husband – who works as an accountant for a company – with expenses. She says that her children are the reason she has worked so hard for 15 years as the sales manager for a distributor. Her priority is to give her children an education, and with her job she has been able to help her family to get ahead. She is requesting her seventh loan to buy the cement, sand and ceramic tile she needs to finish an interior wall and install a floor in her home.

She is very grateful to Kiva and AFODENIC for helping her with her small building projects.
View original language description ↓
Doña Llinset es una clienta casada, su esposo trabaja como contador para una empresa quien le ayuda en los gastos, ella tiene 3 hijos jóvenes dos estudiantes de la universidad y uno de secundaria por lo que la señora cuida mucho su trabajo en una distribuidora como responsable de ventas desde hace 15 años porque su prioridad es darles la educación a sus hijos y con este empleo ha sido posible el seguir adelante con la familia. Está solicitando el séptimo crédito para la darle fino a la pared interna y puesta de piso en su casa, por lo que necesita comprar cemento, arena, cerámica, ella agradece mucho a Kiva y Afodenic por apoyarla con sus pequeños proyectos.

Previous Loan Details

Llinset is a woman with a great desire for self-improvement. Her main objective has been to make improvements to her home. She is still working for a grocery distributor as a salesperson. She thanks God and Afodenic for providing the financial assistance she has needed to make this a reality. ... More from Llinset 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

  • $4,800
    Average annual income
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $25,013,050
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Llinset Del Carmen to buy cement, sand and ceramic tiles.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Feb 13, 2013
Mar 1, 2013
Currency Exchange Loss:
Jun 17, 2014