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Marcia Del Carmen
Marcia is a hard working woman. She has been sewing for several years and has also had a school bus route for students as a part time job.This provides additional income for the household along with her husband’s support who is also a driver.

Home improvements have been her goal which she has been doing utilizing the profits from her sewing and the sales of used clothing sent by her sister in law from overseas. These have been great help to her.

She is requesting a new loan to continue the improvements in her home since it was not possible to finish them with the previous loan. Walls and the roof are still needed, so the loan will be used to buy purlins, corrugated metal roofing, bolts, sand, cement and iron to start the work.
View original language description ↓
Marcia es una mujer muy trabajadora, desde hace años trabaja en la costura, y también está trabajando en un recorrido de niños que viajan a la escuela medio tiempo, teniendo este otro ingreso. Así como el apoyo de su esposo el cual trabaja como conductor
Las mejoras a su vivienda ha sido su objetivo, el cual ha venido mejorando con las ganancias de su pequeño negocio de costura y la venta de ropa usada que lo hace cuando su cuñada le envía del extranjero paca con lo que se ha ayudado mucho.
Con este nuevo financiamiento seguirá con la mejora del cuarto ya que no logro con el crédito anterior terminarlo, aun falta terminar paredes, y techo. Lo que hará con este nuevo financiamiento en donde comprara: perlines, zinc, golosos, bloques, arena, cemento, hierro para comenzar la obra.

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
  • 82
    View loans »
    Nicaragua Loans Fundraising
  • $25,792,450
    Funds lent in using Kiva
  • 21.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Marcia Del Carmen to buy corrugated metal roofing, purlins, bolts, cement and sand for a room’s roof to improve living conditions.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Nov 16, 2010
Dec 1, 2010
Currency Exchange Loss:
May 15, 2012