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Marcia Del Carmen
Marcia is 42 years old and lives in the Monseñor Lezcano neighborhood in the capital of Managua. She is married and has three children ages 16, 20 and 22. One is in high school and the others work and help with the family's expenses. Her husband works as a conductor. Marcia has been selling clothes for four years. She started the business with her own money and with the help of her husband. She takes cash and credit payments. She will use the money from this loan to purchase a variety of clothing for children and adults as this clothing sells well during this time of year. She will also use the loan proceeds to fill some orders from her clients. Her long term goals are to attract more clients, to increase her sales, and to be able to make improvements to her home so that she can enjoy a worthy home with her family and to help her son with his studies.
View original language description ↓
La Sra. Marcia tiene 42 años de edad, habita en un barrio de la capital de Managua que se llama Monseñor Lezcano de donde fue el banco popular 4 ½ c al lago, casada y con tres hijos de 16, 20 y 22 años de edad, uno de ello estudia la secundaria, y los otros dos trabajan y apoyan en los gastos de la familia su esposo se desempeña como conductor. Doña Marcia vende ropa desde hace cuatro años e inicio con capital propio con ayuda de su esposo, vende al contado y al crédito, con la solicitud del préstamo es para invertir en inventario en la compra de ropa variada para niños y adultos, lo cual para estas fechas las ventas son buenas, y desea también poder cumplir con unos encargos de ropa de sus clientes.
A largo plazo es captar más clientela, incrementar las ventas, y poder hacer mejoras a su casa para gozar de una vivienda digna con su familia, también a ayudar a su hijo con los estudios.

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
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,770,775
    Funds lent in using Kiva
  • 19.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Marcia Del Carmen purchase of clothing for children and adults.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 29, 2008
Oct 15, 2008
Currency Exchange Loss:
Nov 15, 2009