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Johana Del Transito
Doña Johana, age 38, lives in a neighborhood known as “380”. She is the mother of three children. Her husband and she work together in order to be able to give their beautiful children a good education so that in the future they can have better opportunities.

Her husband works for a clothing distributor as a merchandise manager. Her business is a small bookstore. After much effort from both of them they saved in order to establish this small business. Seasonally, sales drop off, but Johana doesn’t stop selling since education is what most of the country’s parents strive for so that their children succeed.

With this loan she wants to purchase notebooks, pencils, erasers, liquid paper, rulers, poster board, backpacks, calculators, cosmetics, and many other products in this school year so that she can offer her customers everything necessary for school. The goal of this financing is to be able to invest more in order to improve earnings and to progress each day, little-by-little, towards her goal of having a well-stocked bookstore. She is grateful to Afodenic for the support provided by this loan, which will be of great benefit to her business.

View original language description ↓
Doña Johana tiene 38 años de edad, reside en un bario que se llama 380
Madre de familia de tres hijos, que junto a su esposo trabajan para poder dar a sus hermosos hijos una buena educación para que en el futuro puedan tener mejores oportunidades. Su esposo trabaja en una distribuidora de ropa como jefe de almacén y ella su negocio es una pequeña librería que a mucho esfuerzo de ambos ahorrando para poner poner un pequeño negocio. Por temporada las ventas se ponen bajas pero no se deja de vender ya que el estudio es lo que mas el país como los padres nos esforzamos para que sean nuestros hijos de bien. Con este préstamo desea comprar: cuadernos, lápiz, crayones, borradores, correctores, reglas, cartulinas, muchila, calculadoras y cosméticos.
Y muchos productos más para poder ofertar en este año escolar a sus clientes todo lo necesario para estudio. Este financiamiento es con el fin de poder invertir más para ganar mejores utilidades e ir creciendo cada día lo cual espera obtener una librería bien surtida en corto plazo. Agradece Afodenic por el apoyo de este financiamiento el cual será de mucho benéfico para su negocio.

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
  • 101
    View loans »
    Nicaragua Loans Fundraising
  • $24,738,100
    Funds lent in using Kiva
  • 20.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Johana Del Transito purchase of notebooks, pencils, crayons, erasers, liquid paper, rulers, poster board, backpacks, calculators, and cosmetics.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jan 25, 2010
Jan 27, 2010
Currency Exchange Loss:
Dec 15, 2010