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Maria Del Carmen
María is 48 years old. She lives in the neighborhood called El Recreo in the capital city of Managua. She is in a common-law marriage, and she has two precious children of 8 and 12 years old. Her plans for her family are to ensure an inheritance and better future for her children.

Doña María works in sales. She has a general store and thirteen years of experience in attention to clients. She began her store selling essential household products, like grains and vegetables. Her goals for her business is to increase the volume of sales with a new variety of products for daily consumption and for special occasions, in order to meet the demand of her clients. Thanks to the loans from Afodenic, she has managed to buy a new variety of products like canned food, fruits, beauty products, and other useful items, increasing her income and offering her better benefits and a better income.
View original language description ↓
La Sr. María tiene 48 años de edad, habitante del barrio el recreo de la capital de Managua, estado civil casada, tiene dos preciosos hijos de 8 y 12 años de edad, los planes para su familia es asegúrale un patrimonio y un futuro mejor para sus hijos.
Doña María se desempeña como comerciante tiene una pulpería con trece años de experiencia en atención al cliente, inicio su pulpería comercializando los productos esenciales de un hogar los granos básico y verduras, sus objetivos para con su negocio es incrementar el volumen de ventas con nuevos y variados productos de consumo a diario y en ocasiones satisfaciendo la demanda de los clientes. Gracias a los préstamos de Afodenic lograra comprar nuevos y variados productos como: productos enlatados, frutas, artículos de belleza y otros productos de uso, aumentando los ingresos y ofreciéndole mayores beneficios l obtener mejores ingresos.

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 Nicaragua

  • $4,800
    Average annual income
  • 53
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 19.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Maria Del Carmen to buy a variety of items to sell, like canned food, fruit, and vegetables.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 22, 2008
Jan 1, 2009
Currency Exchange Loss:
Nov 15, 2009