Josefa Lazo Centeno


Status: Paying Back

$500.00   Loan Amount
54% repaid

About the Entrepreneur

Name: Josefa Lazo Centeno
Location: Chontales, Nicaragua
Activity: Personal Housing Expenses

About the Loan

Loan Amount: $500.00
Loan Use: Building a bathroom, repairing the house, adding electricity and water
Repayment Term: 19 months - View details below
Lenders Repaid: Monthly
Currency Exchange Loss: Covered
Date Listed: Feb 1, 2009
Date Disbursed: Jan 24, 2009
Date Funded:Feb 5, 2009

About the Country

Country:Nicaragua
Avg Annual Income:$3,636.00
Currency:Nicaragua Cordobas (NIO)
Exchange Rate:20.1525 NIO = 1 USD



Ms. Josefa is single, 45 years old, and has two children, 5 and 15 years old, the last one in his second year of high school. She works in the rural zone as director of a rural nucleus, leaving Sundays and returning Fridays, with 15 years of service. She leaves her children with her mother who has always taken care of them. She is asking for her second loan which she will use to realize different activities if the money is raised, which are: constructing a bathroom, repairing the house, installing water and electricity. Her first load was also used to improve her life and she paid in on time and in good form. She wants to arrive at a dignified living for her children, her partner left to Costa Rica in search of work, and he sends her between 50 and 70 dollars monthly to support the household expenses.

Translated from Spanish by Zach Frey, Kiva Volunteer


La profesora Josefa es soltera, de 45 años de edad, 2 hijos de 5 y 15 años, la ultima con el 2do año de secundaria, trabaja en la zona rural como directora de un núcleo rural, trasladandose los domingos y regresando los viernes, con 15 años de servicio, sus hijos los deja con su mamá quien se las ha cuidado siempre, esta solicitando su 2do credito el que utlizara para realizar diferentes actividades si el dinero alcanza, como son: construccion de letrina, repello de casa, instalacion de agua y energia electrica; su primer credito tambien lo utilizo en mejora de su vivienda y lo cancelo en tiempo y forma, desea llegar a contar con una vivienda digna para sus hijos, su compañero se traslado a Costa Rica en busca de trabajo, le envia mensual entre 50 y 70 dólares para apoyar los gastos del hogar.


About Housing Loans
Many poor families are financially unable to purchase a house that meets their needs. Housing loans funded on Kiva give families access to capital to improve their homes and an opportunity to pay loans back at a pace that they can handle. The housing and small business loans featured on Kiva share a common purpose: they alleviate conditions of poverty and enable families to lead more stable lives. Learn more

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Lenders to this entrepreneur

Anonymous

Eryn
Saint Paul, Minnesota
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Tom

angelica
san dimas, CA
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Robert & Johana
Houston, TX
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Evan
San Francisco, California

Dylan
San Francisco, California

Debbie and Ahmad
Leesburg, VA
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Frank
San Diego, CA
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Nisha
San Francisco, California

Anonymous

Milford High School
Milford, NH
United States



Journal entries for Josefa Lazo Centeno


Loan has been disbursed
 
Entrepreneur: Josefa Lazo Centeno
Location: Chontales, Nicaragua

Thank you for your loan. It has been disbursed to Josefa Lazo Centeno by AFODENIC in Nicaragua. We are excited to watch this business grow. Over the 16 months of this loan, AFODENIC will be collecting repayments from this entrepreneur and posting progress updates on the Kiva website.


Posted by from Chontales, Nicaragua
Feb 6, 2009
Comment on this entry

Kiva Help Repayment Schedule for Josefa Lazo Centeno

  Expected Repayments Actual Repayments Comments
April 2009 $29.41 $29.41 Repayment Received
May 2009 $29.41 $42.56 Repayment Received
June 2009 $29.41 $28.55 Repayment Received
July 2009 $29.41 $29.67 Repayment Received
August 2009 $29.41 $28.86 Repayment Received
September 2009 $29.41 $27.89 Repayment Received
October 2009 $29.41 $28.79 Repayment Received
November 2009 $29.41 $28.18 Repayment Received
December 2009 $29.41 $28.55 Repayment Received
January 2010 $29.41 Available Jan 1  
February 2010 $29.41 Available Feb 1  
March 2010 $29.41 Available Mar 1  
April 2010 $29.41 Available Apr 1  
May 2010 $29.41 Available May 1  
June 2010 $29.41 Available Jun 1  
July 2010 $29.41 Available Jul 1  
August 2010 $29.44 Available Aug 1