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Miriam Del Carmen

Update on Miriam Del Carmen

Miriam lives in the town of Ticuantepe with her husband, who has worked for a private business for several years. They have worked very hard to make their dream come true, which is finishing their house. She sells clothes and helps and helps with the household expenses. Their biggest difficulty is that they can't get all the money they need to do the improvements at one time. With this new loan, she will be able to buy the following materials: cement, sand, zinc sheeting, and beams to repair the back part of the house where she has a porch to shield from the rain and the sun.

She is very grateful to Afodenic, which through Kiva Funds has helped her with several loans.
View original language description ↓
Doña Miriam habita en el municipio de Ticuantepe, junto a su esposo quien labora para una empresa privada desde hace varios años, ellos sean esforzado mucho para lograr su sueño que es terminar su casa, ella vende ropa y ayuda con los gastos del hogar, su mayor dificultad es que no pueden recaudar de una sola vez el dinero para realizar las mejoras, con este nuevo credito podra comprar los siguientes materiales; Cemento, Arena, zinc, Perlines para reparar el lado trasero de la casa donde tiene un porche para evitar el sol y la lluvia.
muy agradecida con Afodenic quien atravez de Fondos Kivas la han apoyado con varios Creditos.

Previous Loan Details

Miriam is a life-long resident of the city of Ticuantepe. She and her husband, who works for a private company, have made a great effort to realize their dream of finishing their house. Miriam sells clothes and helps with the household expenses, but it's not enough money for them to be able to af... More from Miriam 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

  • $3,636
    Average annual income
  • 92
    View loans »
    Nicaragua Loans Fundraising
  • $24,384,075
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Miriam Del Carmen to buy construction materials.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 27, 2013
May 12, 2013
Currency Exchange Loss:
Apr 16, 2014