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Ana Rosa

Update on Ana Rosa

Ana is working as a janitor, and she sells used clothes. She does this in order to get better income. She is a single mother, and her children are married.

She is an enterprising woman. She also knows how to sew, which she does in her free time. She likes being able to cover her personal expenses like her commitments to make payments.

Now, with this new loan, she will buy four large bags of bundles of clothes. She will buy a variety in order to strengthen her business. She wants to satisfy her customers’ preferences with accessible products at a low cost.
View original language description ↓
Doña Ana esta trabajando como, conserje, y la venta de ropa usada, con el proposito de obtener mejores ingresos, sus hijos son casados, y es madre soltera. Una mujer emprendedora, que tambien sabe de costura y saca en tiempos libre, ya que le gusta poder cubrir sus gastos personales como sus compromisos de pago.
Hoy con este nuevo prestamo comprara cuatro bolsones de ropa de pacas, variadas para poder fortalecer su comercio y sastifacer el gusto del cliente, con productos accesible y de bajo costos.

Previous Loan Details

Ana is a hardworking woman who supports her family with a small business that sells used and tailored clothing. It has been years since she started the business out of her own initiative for daily (economic) support. She sells out of her home, where she has come to build up a clientele, starti... More from Ana Rosa'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

  • $3,636
    Average annual income
  • 148
    View loans »
    Nicaragua Loans Fundraising
  • $24,071,325
    Funds lent in using Kiva
  • 23.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Ana Rosa buy four large bags of bundles of clothes in order to increase sales.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Dec 23, 2011
Jan 1, 2012
Currency Exchange Loss:
Jan 19, 2013