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Danelia Del Carmen
Ms. Daniela is a hard working woman. She is 48 years old and for the past 20 years she has run a small home-based grocery store. She has accomplished this with the help of her husband and with financing from Afodenic, which has allowed her to invest in a variety of merchandise.

Her husband is a construction worker. They have five children, three of them are adults and two are students. Her earnings have allowed her to make improvements to their home. She recently had it painted so that it would look nicer and so that customers would be more attracted to her store.

She will invest the money from this loan in basic items, such as: rice, beans, sugar, cooking oil, soap, toothpaste, canned sardines, tuna, Worcestershire sauce, tomato sauce, chicken, meats, and milk products in order to satisfy the needs of her customers, as these are the things that they use daily.

She has used her past loans to increase her inventory and sales. She hopes to do so this season, as her sales have been a bit low. She thanks the institution for approving her past requests and for making it possible for her to say in business.
View original language description ↓
Doña Daniela del Carmen es una mujer muy trabajadora, tiene 48 años de edad, desde hace veinte años puso una pulpería el cual administra todo esto lo ha logrado con apoyo de su esposo como los financiamiento que Afodenic a dado ya que ha invertido en productos varios. Su esposo trabaja en construcción, procreo cinco hijos tres independientes y dos están estudiando. Con las ganancias ha logrado hacer mejoras a su casa, hace poco la pinto para que se viera bonita y poder atraer la clientela con una mejor visión de su pulpería. Con este préstamo invertirá en granos básicos como: arroz, frijoles, azúcar, aceite, jabón, pastas colgate, productos enlatados de sardinas, atún, salsa inglesa, salsa de tomate, pollo, carnes y lácteos para poder sastifacer las necesidades a su clientes ya que es lo que se consume día a día. Sus créditos han sido para aumentar el inventario y para aumentar las ventas y mejor en esta temporada ya que espera vender más, ya que las ventas han estado bajas.Da las gracias a la institucion por los ciclos aprobados y por hacer posible su rentabilidad en su negocio.

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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 20.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Danelia Del Carmen invest in basic food products for resale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 16, 2009
Dec 17, 2009
Currency Exchange Loss:
May 15, 2010