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Judith Del Carmen
Judith is an active woman of 34, and the mother of two children. Her husband works in sales. For several years, Judith’s business has been making pizza and cakes. She began with the objective of making money to help her children, as everything is expensive and her husband’s salary does not cover the expenses. Previously, she sold clothing and sweets, but now she only makes pizza and cakes to order and to sell. Her desire is to increase production, as there is much demand during the Mother’s Day holiday.

Judith would like to save some money to make improvements in her small house, such as plaster for the walls, a new door, and flooring. She expects to be able to achieve by means of this loan. The loan will be invested in ingredients such as flour, sugar, sausage, lard, and leavening, to make her delicious foods.
View original language description ↓
Doña Judith es una mujer activa de 34 años de edad, madre de dos hijos, su esposo labora en ventas, su negocio es la elaboración de pizza y queques ya por varios años, lo inicio con el objetivo de poder ayudar a sus hijos, ya que todo esta caro y con el salario de su esposo no ajusta. Anteriormente vendía ropa y repostería, pero se ha dedicado solo a la venta de pizza y queques que hace por encargo y también tiene a la venta es por eso desea aumentar su producción ya que para estos días festivo del día de la madre tiene mucha demanda de venta de pastel.

Sus planes es poder ahorrar para poder hacer mejoras a su pequeña casa, ya le falta repellar las paredes, cambiar puerta, poner piso, el cual espera lograr mediante estos financiamientos. Sus inversión será en materia prima como. Harina, azúcar, chorizo, manteca, levadura, entre otros para preparar los riquísimos pasteles. y poderse ayudar económicamente.

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
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 21.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Judith Del Carmen ingredients for pizza and cakes.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 14, 2010
May 20, 2010
Currency Exchange Loss:
Jun 15, 2011