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Agustina Del Carmen

Update on Agustina Del Carmen

Mrs. Agustina has worked as an educator in a primary school for some 26 years. She has the support of her children; all are adults, independent, hard workers and are a very united and religious family. Mrs. Agustina needs another loan to buy construction materials like cement, sand, cement blocks, and iron to build a room and improve the living conditions in her home. Little by little she has made improvements to the infrastructure of her home since doing it all at once is very difficult due to the bad economy. Mrs. Agustina’s dream is to enjoy good health and that her children follow God’s teachings.
View original language description ↓
Doña Agustina se desempeña como docente de primaria hace 26 años, cuenta con la ayuda de sus hijos todos mayores de edad, independientes, trabajadores son una familia muy unida y religiosa. Solicita nuevamente apoyo crediticio para comprar material de construcciòn como cemento, arena, bloques, hierro y asi poder construir una habitaciòn con mejores condiciones en su casa, poco a poco ir progresando con la infraestructura de su vivienda ya que de un solo es muy dificil por la baja economia. Su sueño es gozar de salud y que sus hijos sigan en los caminos de Dios.

Previous Loan Details

Mrs. Agustina is 52 years old and has two grown daughters. The elder works as a secondary school teacher and the other is a sales executive. Her husband works on their farm and that is where they live in the San Juan region. She has worked for MINED as a teacher for 24 years, putting forth a l... More from Agustina Del Carmen'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
  • 60
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Agustina Del Carmen buy construction materials like cement, sand, cement blocks, and iron.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 19, 2012
Nov 1, 2012
Currency Exchange Loss:
Sep 18, 2013