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Celestina Del Carmen
Celestina is mother to two children for whom she has worked very hard as a caretaker in order to support them and cover their needs. Her husband works as a messenger and together they have been saving up to build their own home.

Everything costs a lot right now and it has been difficult buying all the material. For this reason, Celestina came to Afodenic to take out a loan in order to finish the work. She will use this loan to build a small perimeter wall which will provide her property and her young children with more security.
View original language description ↓
Celestina es madre de dos hijos, por el cual se ha esforzado mucho a trabajar como conserje para poder apoyar a sus hijos con lo necesario. Su esposo labora como mensajero y junto han venido ahorrando para la construcción de su casa.
Todo está ah altos costos, y se le hacía difícil comprar todo el material lo que recurre al financiamiento en Afodenic para terminar de cerrar, con este nuevo préstamo hará un pequeño muro perimetral que dará mejor seguridad de su propiedad, como a sus pequeños hijos.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Nicaragua

  • $4,800
    Average annual income
  • 62
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 22.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Celestina Del Carmen to buy building supplies to build a wall in order to improve the security of her home.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Feb 18, 2011
Apr 1, 2011
Currency Exchange Loss:
Jan 15, 2012