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Maria Del Carmen
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Maria del Carmen has 2 young children. She is married, and her husband is Supervisor of Security. Both she and her husband are responsible for the family's expenses.

For the past 5 years, Maria del Carmen has run a grocery store from her home. She began by selling soft drinks and refreshments. With the help of her husband she started the business and has been able to sustain it. Their goal is to expand and move her store where she'll be able to offer her customers more variety of products. With the proceeds from her sales, she expects to improve her family's future.

Translated from Spanish by Mayra Gould, Kiva volunteer.

Maria del Carmen tiene 2 hijos menores de edad, es casado, su esposo es Supervisor de Seguridad y ambos tienen la responsabilidad de la manutención de la familia. Maria del Carmen tiene una pulpería en su casa de habitación desde hace 5 años, empezó el negocio vendiendo gaseosas y refrescos. Con la ayuda de su esposo pudo iniciar el negocio y con su ayuda también lo ha podido mantener, sus planes son llegar a poner convertir su pulpería en una tienda donde pueda ofrecer más variedades a sus clientes. Con las ganancias obtenidas espera mejorar las condiciones de vida de su 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 Nicaragua

  • $4,800
    Average annual income
  • 89
    View loans »
    Nicaragua Loans Fundraising
  • $25,032,475
    Funds lent in using Kiva
  • 19.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Maria Del Carmen to expand her business in order to grow her profits. (Inversión en su negocio para ampliarlo).
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Aug 12, 2008
Jul 26, 2008
Currency Exchange Loss:
Mar 15, 2009