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Andrea Del Carmen

Update on Andrea Del Carmen

Andrea lives in the Revolution neighborhood and is the mother of three dependent children, two of whom are students, while the oldest is a painter. Her husband works as a driver, and Andrea continues to sell food to help support her family. Andrea strives to offer her family the best she can; therefore, she has applied for a loan to put up dividers in the kitchen and to tile the floor so that she can slowly realize her dream of remodeling her house and living with her family in better circumstances.
View original language description ↓
Doña Andrea, habita en el barrio revolución, es madre de tres hijos 2 menores de edad que estudian y el mayor ya trabaja como pintor, su esposo se gana la vida trabajando de conductor y Andrea continua siempre con las ventas de comida, de esta manera se conforma la familia de doña Andrea, ella lucha para brindarles lo mejor dentro de sus posibilidades; es por eso que solicita el crédito para hacer divisiones de cocina y poner cerámica en el piso, así poco a poco irá cumpliendo su sueño de mejorar su casa, para poder vivir en mejores condiciones junto a su familia.

Previous Loan Details

Andrea is 42 years old. She has a small business selling food and soup. She has been selling for 15 years. The business used to belong to her mom and now she is following her. Andrea's husband sells scrap metal and they both care for their family. Andrea has built her own home with a lot o... More from Andrea 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
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,787,975
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Andrea Del Carmen to buy cement, sand, iron, blocks, and tiles.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
May 23, 2013
Jun 17, 2013
Currency Exchange Loss:
Dec 17, 2014