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Johana Maria

Update on Johana Maria

Johana is still selling new clothes to support her family and herself. Part of her sales go towards her living expenses, as her children are still little.

For years Johana's goal has been to improve her home, but since her other priority is her children, she has to invest her money in her business to balance out her costs.

Now with this new loan she will make improvements on the internal walls of her home, starting by tearing down the front wall, which will leave the roof in better condition and will provide a safer environment for her family. For this project she will need to buy cement blocks, iron and bags of cement. She will make improvements to the entire structure, as only one part is in good condition.
View original language description ↓
Johana sigue comercializando ropa nueva, pues es el medio de apoyar a su familia, y cuidar de ella misma, ya que parte de sus ventas las hace en su casa de habitacion. Ya que sus hijos aun estan pequeño.
El objetivo desde hace años, ha sido la mejora de su casa, pero devido que tenian otra pioridad con sus hijos, los financiamiento los invertian en el negocio, equilibrando sus gastos.
Hoy con este nuevo prestamo va hacer mejoras en las paredes interna de su casa, como comenzar con el arranque del muro en la parte frontal. Logrando tener un techo en mejores condiciones, y mejor seguridad para su familia. materiales a comprar: bloque, hierro, bolsa de cemento.Mejorando toda la infraestructura, ya que solo una parte esta en buenas condiciones.

Previous Loan Details

Johana is a woman very dedicate to her family. It's for this reason she started looking for ways to earn income to support her four children. Her husband is a driver, and he gave her the money to start a business selling new clothing. She started out with little money but then was able to grow he... More from Johana Maria's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Nicaragua

  • $4,800
    Average annual income
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,406,150
    Funds lent in using Kiva
  • 22.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Johana Maria to purchase a variety of clothing to keep expanding her business.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 22, 2011
Sep 30, 2011
Currency Exchange Loss:
Nov 15, 2012