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Francisca Del Carmen
Francisca’s a single mother of 8 adult children. She’s always sacrificed working day and night to move them ahead so that they would be upstanding citizens. She’s guided all of them and supported them through her work selling home cleaning supplies from place to place; she also earns income renting rooms that she’s been building at home. This is why she’s asking for a loan to build another room to rent. She will buy cement, sand, rebar, concrete blocks, metal sheeting. This will generate extra income for her family’s economy. She hopes to continue to count on more financing to continue making progress in life.
View original language description ↓
Doña Francisca, es madre soltera de ocho hijos mayores de edad, ella se ha sacrificado trabajando día y noche para sacarlos adelante para que sean hijos de buenas costumbre, los ha guiado a todos y apoyado con su labor como vendedora ambulante de productos de aseo del hogar y a la vez se apoya con el alquiler de cuartos que ha venido construyendo en su casa, es por eso que solicita el credito para hacer otra habitación para alquilar, comprara cemento, arena, hierro, bloques, laminas de zinc, esto le vendrá a generar mas ingresos para su economía, ella espera seguir contando con mas financiamiento para seguir progresando en la vida.

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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,083,125
    Funds lent in using Kiva
  • 24.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,450 helped Francisca Del Carmen to buy cement, sand, rebar, metal sheeting and concrete blocks.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 19, 2013
Mar 6, 2013
Currency Exchange Loss:
Apr 16, 2014