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Yohana Del Carmen
Yohana Del Carmen, age 35, is a single mother with three minor children under her care. She is from León, which is located in the western part of the country. In her free time she likes to enjoy quality time with her children, and she makes them food that is typical of the region like ‘gallo pinto’ [rice and beans]. Sadly, due to the lack of financial resources, she was not able to enroll in the university. However, she would have really liked to have studied for a nursing career.

Thanks to her spirit and her desire to get ahead, she has a food store in her home. It is a small store that sells food products in small quantities. She sells packets of coffee, packets of shampoo, rice, cooking oil, sugar, milk, bread, beans, juices, and soft drinks. She spends some ten hours a day selling her products.

The objective of the loan is to invest in working capital in order to stock her store with food products. She will do this so that she will be able to get better income in the not so distant future.

Yohana Del Carmen is grateful for the help the Kiva lenders give to people with scarce resources and in poor countries like Nicaragua so that they can have a decent way of earning a living.
View original language description ↓

Yohana del Carmen de 35 años de edad, madres solteras con tres hijos menores de edad, bajo su responsabilidad. Es originaria de León, lugar que está ubicado en la zona de occidente del país. En sus ratos libre le gustas disfrutar con sus hijos de tiempo de calidad, y le prepara comida típica de la región como es ¨gallo pinto¨ lamentablemente por falta de recursos económico no pudo cursar una carrera universitaria, pero le hubira gustado mucho estudiar enfermería profesional.

Gracia a su espíritu y sus ganas de salir adelante tiene por actividad económica una pulpería ubicada en su casa de habitación, una pulpería es una pequeña tienda que vende productos comestibles en cantidades pequeñas como sobre de café, sobre de shampoo, arroz, aceite, azúcar, leche, pan, frijoles, jugos, gaseosas. Ella dedica a su negocio unas 10 horas diarias ofreciendo sus productos. El objetivo del crédito es invertir en capital de trabajo y surtir su pulpería con productos comestibles, para que en un futuro no muy lejano pueda obtener mejores ingresos. Yohanna del Carmen agradece la ayuda que los inversionistas kiva les brindan a personas de escasos recursos y países pobre como es Nicaragua para tener un medio de trabajo digno.

Additional Information

Fundación Leon 2000

This loan is administered by Fundación Leon 2000. Fundación Leon 2000 began operations in 1993 as the first microfinance institution to serve the western part of Nicaragua, a country which continues to be one of the poorest in the western hemisphere. Fundación Leon 2000 works to further the development of micro, small, and medium enterprises through credit services and management, applying the best credit industry practices and technical expertise. Additionally, Fundación Leon manages several business and financial education programs in the community, specifically for young entrepreneurs and at-risk youth. Fundación Leon 2000’s group of experienced and dedicated employees works in 7 offices in Leon, Chinandega, Chichigalpa, Somotillo, Jinotepe, El Sauce, and Nagarote and serves several thousand clients (the majority of whom are women).

About Nicaragua

  • $4,800
    Average annual income
  • 96
    View loans »
    Nicaragua Loans Fundraising
  • $24,742,900
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,475 helped Yohana Del Carmen to stock her store.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 19, 2013
Jun 1, 2013
Currency Exchange Loss:
May 17, 2014