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Lilliam Del Carmen

Update on Lilliam Del Carmen

Lilliam depends completely on her small store to generate the revenues which she uses to pay off the household expenses. She set it up through much effort and sacrifice. She is a single mother who fights daily for her family. Lilliam is a woman with many dreams and ambitions. In the future she would like to open a cafe to serve the underprivileged.

Lilliam is requesting this loan to invest in her business buying food products most requested by her customers and neighbors in the area she lives in. At the same time she will diversify the variety of cosmetics that she also sells in her store.
View original language description ↓
La señora Lilliam, depende únicamente de su pequeño negocio de pulpería, que ha logrado formar con muchos esfuerzos y sacrificios, con sus ingresos equilibra los diferentes gastos de su hogar. Ella es madre soltera que lucha a diario por su familia. Lilliam es una mujer con muchos sueños y aspiraciones. En el futuro desea establecer un comedor para ayudar a los menos desfavorecidos. Esta vez solicita el crédito para invertir en el negocio comprando productos alimenticios de mayor demanda por sus clientes y los vecinos del barrio donde habita. De igual manera diversificará la variedad de cosméticos los cuales vende en el mismo negocio.

Previous Loan Details

Lilliam, a humble lady who completed secondary school, is now a single mother. She is separated and raises her children on her own. She went through a rough patch when her youngest child suffered an accident which warranted a surgical procedure. Though she felt very much alone at that moment, she... More from Lilliam 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 Nicaragua

  • $4,800
    Average annual income
  • 98
    View loans »
    Nicaragua Loans Fundraising
  • $24,738,825
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Lilliam Del Carmen to buy basic grain products, sausages, cereals, milk, meat, eggs and cosmetics.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 24, 2013
Nov 5, 2013
Currency Exchange Loss:
Feb 17, 2015