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Lilliam Del Carmen
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Lilliam is requesting financing to invest in making repairs to her home such as adding ceramic to the floors. Lilliam is an assistant director at a school, and has been doing this for the past 14 years. Currently, she is studying to receive her Masters degree at the UCA.

She is characterized as being responsible, honest and with much desire for self-improvement. She has an 8-year-old daughter, who is in second grade at an elementary school, and her eldest son is 14 years old and in his second year in middle school. Her husband is the director at the Manantial radio station. They both share their household's expenses.

Translated from Spanish by Evelyn Garcia, Kiva Volunteer.

La Sra. Lilliam está solicitando su financiamiento para invertirlo en mejora de su vivienda como es ponerle ceramica a su vivienda. Lilliam labora como subdirectora de un centro escolar desde hace 14 años, actualmente está estudiando una maestria en la UCA.

Se caracteriza por ser responsable, honesta y con mucho deseo de superación personal, tiene una niña de 8 añitos de edad, estudia su segundo grado de educación primaria y el niño mayor de 14 años estudia su segundo año de educación secundaria, su esposo labora como director de la radio Manantial, ambos comparten los gastos familiares.

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.

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
  • 58
    View loans »
    Nicaragua Loans Fundraising
  • $26,418,100
    Funds lent in using Kiva
  • 19.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Lilliam Del Carmen adding ceramic to the floor of her home.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 13, 2008
Aug 10, 2008
Currency Exchange Loss:
Dec 15, 2009