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Maritza Del Carmen
Doña Maritza is 44 years old. She has been working in a hardware store as a sales executive for many years. As a single mother, she managed to raise her two children, a son age 16 and a daughter age 22. Now the daughter works and helps her mother with her salary. Doña Maritza has invested all her loans in the construction of her house. She used the last one to install grilles on the windows, but she still has not built the perimeter wall on the west side to give her house a little more security. For this reason, this fourth loan she has applied for is for this goal. To do this she needs to buy cement, sand, gravel, paving stone, blocks, iron, and wood doors for the interiors. In this way she will make her family more secure and surround her property for greater privacy.
View original language description ↓
Doña Maritza de 44 años de edad, siempre desempeñándose en una ferretería como ejecutiva de ventas hace muchos años, siendo madre soltera de dos hijos uno de 16 años y una mujer de 22 logro sacarlos adelante ahora una ya trabaja y con su salario poya a su madre, doña Maritza todos sus créditos los ha invertido en la construcción de su casa el ultimo lo utilizo en instalación de verjas a las ventanas, pero todavía le falta hacer la pared perimetral del lado oeste para asegurar un poco mas su casa, por lo que este cuarto crédito solicitado es para este fin y necesita para ello comprar cemento, arena, piedrín, piedra cantera, bloques, hierro y puertas de madera para los interiores de esa manera ella esta asegurando a su familia y marcando su terreno para mayor privacidad.

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,756,600
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Maritza Del Carmen to buy cement, sand, gravel, paving stone, blocks, iron, and wood doors for the interiors.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 17, 2012
Dec 1, 2012
Currency Exchange Loss:
Apr 16, 2014