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Judith Del Carmen
Judith has her own business; she sells pizza and cake that she herself makes. She’s been in business 7 years. Her main raw material is flour. This business has allowed her to meet her family’s basic needs because her husband’s earnings as a delivery man for a private firm are just not enough.

She’s been investing Afodenic funds in home improvements. This will be the eighth loan that she’ll use to buy building materials and supplies like tile, cement posts, cement and sand to erect a U-shaped wall to safeguard her property and her family. It’s been solely through this means that she’s been able to make these home improvements possible.
View original language description ↓
Judith tiene su negocio propio, vende pizza y queque el cual elabora ella misma, teniendo siete años en el negocio, en donde tiene materia prima para la elaboración que es la harina. Con este trabajo ha podido suplir las necesidades de su familia, ya que solo con el trabajo de su esposo no se ajusta siendo distribuidor de productos en una empresa privada.
Atreves de Afodenic ha venido haciendo mejoras a su casa, como su inversión, siendo el octavo crédito en donde invertirá en la compra de materiales de construcción como: losetas, y poste de cemento, cemento, arena, para hacer un muro en forma de U, en donde espera reguardar su propiedad como su familia, que solo por este medio se le ha hecho posible esta mejoras a su casa.

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,756,600
    Funds lent in using Kiva
  • 22.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Judith Del Carmen to buy building materials to erect a wall.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
May 20, 2011
Jun 3, 2011
Currency Exchange Loss:
May 17, 2013