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Carmen Maria
Carmen is married. Her husband is unemployed and helps her with a food business she has. Her children are adults and help her both with the household chores and with the sales.

Carmen is a hardworking woman that looks for ways to make some home improvements. She is requesting a loan to build a wall at home in order to have more space and to offer her children better living conditions. This will be possible with financial support, since it would be difficult for her to do it with her own income considering the different expenses that she has to cover.
View original language description ↓
Doña Carmen, casada su esposo en la actualidad no tiene empleo le ayuda en el negocio de venta de comida, sus hijos ya son mayores de edad y le ayudan en los quehaceres del hogar como en la venta, doña Carmen una mujer trabajadora que busca la manera de hacer mejoras en su hogar, solicita el crédito para invertir en la construcción de una pared de su casa para obtener un poco más de espacio y mejores condiciones para que sus hijos vivan tranquilos, siendo esto posible con el apoyo de financiamiento ya que con ingresos propios se le hace difícil por los diferentes gastos que tiene que cubrir.

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

  • $3,636
    Average annual income
  • 125
    View loans »
    Nicaragua Loans Fundraising
  • $24,036,450
    Funds lent in using Kiva
  • 24.4
    Nicaragua Cordobas (NIO) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,025 helped Carmen Maria to buy cement, iron bars, bricks and sand to build a wall.
99% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 27, 2013
May 16, 2013
Currency Exchange Loss:
Jun 17, 2014