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Norma Del Carmen
Norma is married but has no children yet. She sells fresh produce at one of the markets in Managua, which is her only source of income. She went to school only through the sixth grade because she had to work and could not continue her education. Her husband works as an operator in the tax-free zone and between the two of them they are able to make ends meet.

In an effort to carry out home improvements, which is her main goal, Norma is requesting a loan so she can begin work on the back of the house. The old, rusty metal sheeting on the outside walls pose a health risk, especially now that winter will bring the heavy rains.
View original language description ↓
Norma, es una mujer casada no tiene hijos aun, su negocio es la venta de frescos en uno de los mercados de Managua, es su único medio de ingresos, ya que su preparación académica fue hasta 6to grado de primaria no pudo continuar estudiando porque tenía que trabajar, su esposo labora en una zona franca como operario; así esta pareja intenta salir adelante, el mayor sueño de Norma es poder hacerle unas mejoras a su hogar, es por eso que está experimentando el sistema de crédito para empezar a construir la parte trasera de su casa que esta forrada de laminas viejas y oxidadas de zinc, que representan un peligro para su salud y bienestar, mas ahora con las fuertes lluvias del invierno.

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
  • 66
    View loans »
    Nicaragua Loans Fundraising
  • $25,079,250
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Norma Del Carmen to buy cement, sand, iron and blocks.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 28, 2013
Jun 18, 2013
Currency Exchange Loss:
May 17, 2014