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Yadira Del Carmen

Update on Yadira Del Carmen

Yadira lives in a neighborhood where the residents are very poor. She is a hard worker who has strived for years to support her two children in their education and personal growth. Currently, she works in her small business selling food from her home. She receives orders for homes, and also supplies businesses.

Yadira is seeking a loan to purchase construction materials to repair her home. An essential part of carrying out her business is to improve the kitchen area and build an additional room. With this loan, she will be able to slowly move forward in rearranging her home, which will allow her comfort in her home and business.
View original language description ↓
Yadira, es habitante de un barrio en donde sus pobladores son de muy escasos recursos, la señora es trabajadora viene luchando durante años para apoyar a sus dos hijos en la educación y desarrollo personal, actualmente ella se dedica a su pequeño negocio de venta de comida en su casa y a la vez recibe pedidos por encargos a domicilio, abasteciendo a empresas. Doña Yadira solicita este crédito con el objetivo de comprar materiales de construcción para mejorar las condiciones de su casa, una parte primordial para llevar a cabo bien su negocio, es mejorar las condiciones del área de cocina y empezar la construcción de un cuarto, gracias a este crédito podrá ir avanzando poco a poco reordenando su vivienda, que le permita comodidad en su hogar y trabajo.

Previous Loan Details

Yadira has been a merchant for eleven years. She has managed to set up her own catering business and she worked very to achieve this. But She is satisfied to have her own business. Her husband is a master construction worker and he has always contributed to the common welfare of the family and... More from Yadira 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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 25.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,400 helped Yadira Del Carmen purchase cement, sand, iron, bricks and gravel.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Nov 28, 2013
Dec 26, 2013
Currency Exchange Loss:
Jul 23, 2015