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Mariela Del Carmen

Update on Mariela Del Carmen

Maricela is an enterprising woman. She is 29 years old, married, and has three children who are two, three, and thirteen years old, respectively. She has been the owner of a grocery store and Internet cafe for ten years. She also sells new clothing and Avon and Vogue cosmetics. She has been a client of our institution for ten consecutive years and has shown responsibility and timeliness in her payments.

Her husband helps her manage her Internet cafe business. With the previous loan she was able to purchase two computers and a copy machine, and also invested in more products for her grocery store. She will invest this loan in purchasing grains like rice and beans, sugar, oil, beef, chicken, salt, and commonly used medications. She will also make home improvements in order to have a better business location for her grocery store. She will buy construction materials like cement, sand, blocks, gravel, iron, etc.
View original language description ↓
Maricela es una mujer emprendedora tiene 29 años de edad, casada con tres hijos de 2,3 y 13 años de edad respectivamente. Desde hace 10 años es propietaria de una pulpería, Cybert café vende ropa nueva y cosméticos de la Avon, Vogue. Tiene de ser cliente con la institución 10 años consecutivos demostrando responsabilidad y puntualidad en sus pagos. Su esposo le ayuda en el negocio en la administración del Cyber, con el crédito anterior logro comprar dos computadores, una fotocopia además e invirtió más productos en su pulpería. El crédito lo invertirá en la compra de granos como arroz, frijoles, azúcar, aceite, carne de res, carne de pollo, sal, medicamentos populares, y realizara mejoras en su vivienda para ubicar la pulpería en mejores condiciones como materiales de construcción cemento, arena, bloques, piedrín, hierro etc.

Previous Loan Details

Mariela del Carmen is a hardworking and enterprising woman who started in ADIM in the Paraisito group. She has now moved on to individual loans with the purpose of continuing to progress, and reaching her goal, which is to have a general store. Nine years ago, Mariela opened her convenience... More from Mariela Del Carmen's previous loan »

Additional Information

About ADIM

Located in Central America, ADIM is a small microfinance institution with a strong social focus. In the saturated microfinance market of Nicaragua, ADIM stands out for its emphasis on the holistic development of women as well as its provision of responsible financial services. Founded in 1989 by a small group of Nicaraguan women, this institution has remained true to its initial goal of providing its clients (90% of which are women) with an opportunity for economic growth, in addition to personal and professional empowerment. Supporting an ADIM borrower means contributing not only to the continued offering of the socially conscious services it provides, but also to the sustainable growth of a truly unique microfinance institution.

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
  • 84
    View loans »
    Nicaragua Loans Fundraising
  • $25,792,450
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Mariela Del Carmen to buy grains like rice and beans, sugar, oil, beef, chicken, salt, and popular medications, as well as renovate her grocery store.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Feb 28, 2013
Apr 12, 2013
Currency Exchange Loss:
Nov 17, 2013