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Johana Del Carmen
Johana del Carmen Pavón, 31, is a hard working, dedicated, enterprising woman who has sold footwear for the last 7 years. She started the business with some savings and has continued it using loans.

She will use the loan to buy footwear because during this Christmas, fifteen-year birthday parties, weddings, baptisms and school graduations season people buy more.

Pavón and her spouse are raising four children who are 13, 12, 6 and 3 years of age and for whom they work arduously.
View original language description ↓
Johana del Carmen Pavón de 31 años es una mujer trabajadora, esforzada y emprendedora quien vende calzado hace siete años la cual inicio con unos ahorros y ha continuado por medio de los préstamos. Ella con el crédito comprará calzado ya que en esta época por las fiestas navideña, los quince años, bodas, bautizos, promociones la población compra más.
Pavón junto con su compañero de vida cría a sus cuatro hijos de 13, 12. 6 y 3 años por los cuales trabajan arduamente.

Additional Information

About ADIM

Located in Central America, ADIM is a small microfinance institution with a strong social focus. In the saturated microfinance market of Nicaragua, ADIM stands out for its emphasis on the holistic development of women as well as its provision of responsible financial services. Founded in 1989 by a small group of Nicaraguan women, this institution has remained true to its initial goal of providing its clients (90% of which are women) with an opportunity for economic growth, in addition to personal and professional empowerment. Supporting an ADIM borrower means contributing not only to the continued offering of the socially conscious services it provides, but also to the sustainable growth of a truly unique microfinance institution.

About Nicaragua

  • $4,800
    Average annual income
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 21.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Johana Del Carmen for footwear.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 19, 2010
Nov 29, 2010
Currency Exchange Loss:
May 15, 2011