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Celenia Del Carmen

Update on Celenia Del Carmen

Doña Celenia is not married. Her four children are independent and married. She receives financial support from her ex-husband for household expenses. She makes a living offering her services as a domestic worker. With this income she pays her loans which she has taken out to improve her house.

This is the tenth loan she has taken out, and is to build a room for her with better conditions, taking advantage of the space on her land. To do this she needs to buy materials such as cement, blocks, sand, iron and paving slabs.
View original language description ↓
Doña Selenia, es soltera sus cuatro hijos son independientes y casados, recibe el apoyo económico de su ex esposo para los gastos del hogar, ella ha salido adelante prestando sus servicios de empleada domestica con esos ingresos paga sus créditos los cuales han sido para mejorar su vivienda. Este decimo crédito solicitado es para hacer un cuarto para ella con mejores condiciones aprovechando el espacio en su terreno, necesita comprar materiales como cemento, bloques, arena, hierro, piedrines.

Previous Loan Details

Doña Celenia is a hard-working woman. Despite the fact that she has not had the support of a husband, she has known how to take good care of her children since they were very young. Today she continues working as a caretaker in a private home, a job that doesn't meet her personal needs or those... More from Celenia 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
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Celenia Del Carmen to buy cement, blocks, sand, iron, paving slabs.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 28, 2013
Mar 8, 2013
Currency Exchange Loss:
Apr 16, 2014