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Ibbett Del Carmen
Ibbett is a married woman and is the mother of one son, who is four years old. Her husband works in information technology and she has worked in offering tailoring services through her own account for five years. With her income, she pays the home expenses and for the care and schooling of her son.

This is her first loan experience with Afodenic and she wishes to construct a perimeter wall around her home to prevent the water in the street from entering her home in the rainy season. The street is a dirt road and everything floods due to the lack of a concrete wall; it is detrimental to the health of her family.
View original language description ↓
Ibbett, es una señora casada, madre de un hijo de 4 años de edad, el esposo trabaja en informática y ella en servicios de costura por su propia cuenta desde hace 5 años, con sus ingresos paga los gastos del hogar, la manutención de su hijo y la escuela. Con esta primer experiencia de crédito con Afodenic desea construir el muro perimetral de su vivienda para evitar que el agua de la calle se meta en tiempos de lluvia, ya que es una calle de tierra y se inunda todo por la falta de un muro de concreto y es perjudicial para la salud de la familia.

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
  • 102
    View loans »
    Nicaragua Loans Fundraising
  • $24,738,450
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Ibbett Del Carmen to buy cement, sand, iron bars, blocks, and gravel.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Apr 19, 2013
Apr 27, 2013
Currency Exchange Loss:
Aug 17, 2014