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Marisela Del Carmen
Marisela is a young, hard-working woman who sells clothing, shoes and cosmetics.
She began three years ago with little money which she received from her sales and she has been using it for the business with the support of Afodenic. With the loans that she has received, she has been able to grow her inventory and these loans have also helped her with personal needs.
With this new loan she will buy assorted clothing for women, men and children, shoes, and Marisela will use some for cosmetics which is what she sells the most to her customers. Her plans are to buy showcases to better display the products, so that her sales will improve.
View original language description ↓
Marisela es una joven muy trabajadora, se dedica al comercio de venta de ropa, zapatos y productos de cosméticos.
Iniciando hace tres años, con poco dinero, que le dieron de su liquidación y que ha venido invirtiendo con el apoyo de Afodenic por medio del financiamiento lo que ha logrado aprovechar para su crecimiento en inventario y que le ha ayudado para suplir sus necesidades personales.
Con este nuevo financiamiento comprara ropa variada para dama, niños y caballeros, zapatos y parte en productos de cosméticos ya que es lo que más vende a sus clientes. Sus planes es poder comprar vitrinas para tener mejor vista, logrando el aumento de sus ventas.

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
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,418,100
    Funds lent in using Kiva
  • 21.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Marisela Del Carmen to buy assorted clothing for men, women and chldren, shoes and cosmetic products.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Oct 26, 2010
Nov 5, 2010
Currency Exchange Loss:
Aug 15, 2011