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Veronica Del Carmen
Verónica, 40, is originally from Santo Domingo. She has three children. She has been a farmer since she was a little girl because her parents were poorl and they depended on their crops. When she got married, her husband farmed leased farmlands. To date they have been unable to purchase their own land. However, they lease four manzanas (a traditional unit of land area in Central America) on which they grow tomatoes, peppers and radishes.

Sometimes, due to drought or lack of fertilizers, they lose part of the crops in which they have invested all their seed; this makes it very difficult. For this reason, the need arises to seek financing to buy the necessary manure, fertilizers and seed because they are about to plant tomato and peppers. They hope to produce good product that will sell at the best market prices so that they can meet household expenses and repay the loan on time. Her short-term goal is to be able to buy her own farmlands so that her family can have a better future.
View original language description ↓
Doña Verónica tiene la edad de 40 años, nacida en la comarca Santo Domingo, procreo tres hijos, desde pequeña trabajaba en la agricultura, pues sus padres eran de pocos recursos económicos lo cual dependían de la siembra. Cuando se caso su esposo trabaja tierras alquiladas hasta ahora no han logrado comprar tierras propias, pero alquilan cuatro manzana en donde producen tomate, chiltoma, rábanos lo que dependen de la producción, las dificultades es que abecés por la sequía pierden parte la producción oh por falta de abonos lo cual a veces han invertido todo el capital en la semilla y se le hace difícil. Es por eso nace la necesidad de este financiamiento para comprar lo necesario en abonos, fertilizantes y semilla ya que cultivaran tomate y chiltoma lo que espera es poder producir buenos frutos que se vendan a buen precio al mercado para poder sastifacer las necesidades de su familia como pagar el financiamiento en tiempo y forma. Su anhelo es poder a corto plazo poder comprar las tierras para un futuro mejor 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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,768,275
    Funds lent in using Kiva
  • 21.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Veronica Del Carmen to buy seed, manure and fertilizers for tomato and pepper crops.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Feb 25, 2010
Feb 26, 2010
Currency Exchange Loss:
Mar 15, 2011