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Ivania Del Carmen

Update on Ivania Del Carmen

Ivania is a young woman of 36 years old. Her husband works in auto body work as a freelancer and with his income and he supports her with the household expenditure. They have two children aged 10 and 15 years old. Ivania now sells grilled meat every day, she always sells new clothes, cosmetics, shoes and products for the school season, summer and Christmas. This is how Ivania works: tirelessly and dynamically, she doesn't stick to just one thing, she is always innovating and seeing where larger profits can be obtained to improve the family's quality of life. She invests her loans in the business, and this time around, she wants to buy a variety of clothes, shoes and cosmetics as she has little to offer in her inventory, all on behalf of her customers. Her future plans are to repair her home, improving it little by little and that her children feel at home, thanks to the loans and the working ethic that she has, Ivania will be able to make this a reality over time.
View original language description ↓
Ivania una joven de 36 años, el esposo trabaja en enderezado y pintura de manera independiente con sus ingresos la poya en los gastos del hogar, tienen dos hijos de 15 y 10 años, ella ahora vende fritanga todos los días, siempre comercializa ropa nueva, cosméticos, calzado y vende productos de temporadas escolares, verano, navideño; así trabaja Ivania incansablemente y muy dinámica no se estanca con una sola cosa siempre esta innovando y viendo de donde obtener mejores ganancias para el mejoramiento de vida de la familia, sus créditos los invierte en el negocio esta vez quiere comprar variedad de ropa, calzado y cosméticos ya que tiene poco que ofrecer en su inventario, todo esto es por encargo de sus clientes, sus planes futuros es componer su casa, mejorarla poco a poco y que sus hijos se sientan bien, gracias a los crédito y el ánimo de trabajo que tiene lo podrá lograr con el pasar del tiempo.

Previous Loan Details

Ivania C. is 36 years old. She is a merchant, and the mother of two children who are in school. Her husband is an auto painter by trade, in order to help her with the household costs. She is grateful to Kiva, as with the earlier loan she was able to invest in her business's inventory. Now she ... More from Ivania 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 Nicaragua

  • $4,800
    Average annual income
  • 58
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Ivania Del Carmen to buy new clothes, shoes and cosmetics.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 26, 2012
Jan 12, 2013
Currency Exchange Loss:
Jan 18, 2014