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Pamela Ivett

Update on Pamela Ivett

Pamela lives with her family. Her husband works as an electrician to help her with the household expenses, since they have children in their care. She sells clothing, shoes, and cosmetics. With her profits she has managed to pay for her loan. She is very happy about the support and the trust that Afodenic places in her through the Kiva fund, since with the previous loan she managed to make the room divisions in her house.

Now Pamela needs to invest in concrete blocks, cement, corrugated aluminum, etc., to improve her kitchen, which has deteriorated over the years.

Her dream is that when she finishes with the home construction she will be able to buy a little piece of land in the market for her small business.
View original language description ↓
La señora Pamela , junto a su familia , el esposo labora como electricista para apoyarle con los gastos del hogar , ya que tienen hijos a su cargo , ella es comerciante de ropa, zapatos y cosmeticos , con sus ganancias a logrado pagar su prestamo y esta muy contenta por el apoyo y la confianza que le brinda Kiva ya que con el credito anterior logro realizar las divisiones de la vivienda , ahora necesita invertir en bloques , cemento , zinc , etc , para mejorar su cocina ya que la que tiene esta muy deteriora por los años . Su sueños es que cuando termine con la construcción de la vivienda logre comrpar un pequeño tramo en el mercado para su pequeño negocio .

Previous Loan Details

Pamela R. S. is 30 years old and lives in the town of Ticuantepe, together with her husband who works as an electrician in order to cover their household expenses. The couple have two children who are in elementary school and need their support. Pamela's plans for the future are to finish build... More from Pamela Ivett's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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
  • 75
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 22.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Pamela Ivett to buy concrete blocks, corrugated aluminum, and iron.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 8, 2011
Dec 1, 2011
Currency Exchange Loss:
Dec 15, 2012