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Norma Del Carmen
Norma is a first-time loan client with Afodenic. She is 39 and is married with three children, all of whom study and are dependent on her and her husband. Norma's husband helps her with the household expenses with his salary. A year ago Norma started a small general store, which helps with the family's finances to support the household. She is requesting a loan of 16,000 córdobas to buy dairy products, grains, sweets, soft drinks and other items. By investing in her business in this way she will be able to provide a higher income for her family, as well as enabling her children to finish their professional training.
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Doña Norma es una clienta de primer crédito con Afodenic, de 39 años de edad es casada y con 3 hijos estudiantes que dependen de ella y su esposo quien la apoya con los gastos del hogar con su salario, doña norma tiene una pulpería hace 1 año lo que forma parte de la economía familiar como sostén del hogar, solicita un crédito de 16000 córdobas para la compra de productos lácteos, granos básicos, golosinas, bebidas refrescantes entre otros para invertir en su venta de esta manera poder ofrecer un mejor ingreso económico a la familia y lograr que sus hijos culminen una carera profesional.

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
  • 30
    View loans »
    Nicaragua Loans Fundraising
  • $26,398,725
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Norma Del Carmen to buy dairy products, grains, sweets, soft drinks and other items.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Dec 1, 2012
Currency Exchange Loss:
Nov 17, 2013