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Amparo Del Carmen

Update on Amparo Del Carmen

Doña Amparo is 45 years old. Her husband works as a security guard. Her children are all adults, from 21 years old and upwards, and independent. Nevertheless, like all good mothers she worries about them and wants them to follow a good path.

Doña Amparo always assist the family with her small business selling clothing and cosmetics. This enables her to pay for household expenses and even help her children when they need it. With this fourth loan, she wants to begin to build a perimeter wall around her dwelling in order to ensure her family’s safety since they live in a dangerous crime area.
View original language description ↓
Doña Amparo, de 45 años de edad, su esposo labora como guarda de seguridad, sus hijos son mayores de edad de 21 años en adelante e independientes pero aun así como toda una buena madre se preocupa por ellos para que sigan un buen camino, doña Amparo se auxilia siempre con su pequeño negocio, la venta de ropa y cosméticos que le permite pagar sus gastos del hogar y hasta ayudar a sus hijos cuando no tienen. Con este cuarto crédito desea empezar a construir el muro perimetral de su vivienda para garantizar la seguridad de la familia, ya que la zona donde habita es peligrosa por la delincuencia.

Previous Loan Details

Amparo is a determined woman. She is married, and has a family of three children, all of whom are now independent. She continues to work selling clothing and cosmetics by catalog. She started with her own savings, but later with microloans that gradually helped her increase her business's invento... More from Amparo 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
  • 70
    View loans »
    Nicaragua Loans Fundraising
  • $25,754,375
    Funds lent in using Kiva
  • 24.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,250 helped Amparo Del Carmen to purchase cement, iron, cement blocks and gravel.
100% repaid
Repayment Term
23 months (Additional Information)
Repayment Schedule
Apr 27, 2013
May 14, 2013
Currency Exchange Loss:
Feb 17, 2015