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Ana Julia

Update on Ana Julia

Ana Julia continues in her business of renting rooms and dressmaking, both of which she has been involved in for various years. She is a single mother with 3 children, 2 of whom are studying while the eldest is working.

Using previous loans, she has constructed or improved her rental rooms. Today there are 6 available for renting. With this new loan, she will construct a wall at the back of her house, bordering her neighbor's property. This will make her home and her family more secure. To do this, she will purchase materials such as stone, sand, cement, iron, boards and nails, among other products.
View original language description ↓
Doña Ana Julia, sigue con su negocio de alquiler de cuarto, y costura, el cual por varios años, ha venido realizando, madre soltera, de sus tres hijos dos estudian y la mayor trabaja.
Atraves de los financiamiento ha construido y mejorado sus cuartos de alquiler, hoy en dia son seis los que esta alquilando. Con este nuevo prestamo construira muro en la parte trasera, el cual queda contiguo al vecino, mejorando esta condicion, para reguardar su propiedad, y a su familia. Materiales a comprar, piedra, arena, cemento, hierro, tablas, clavos entre otros productos

Previous Loan Details

Ana is a woman who through more than thirteen years has been able to keep her sewing business going and in this way support her three children. She also gets income from the rental of a room that she has been improving to better serve her tenants. What has helped her has been the financing ... More from Ana Julia'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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Nicaragua

  • $4,800
    Average annual income
  • 129
    View loans »
    Nicaragua Loans Fundraising
  • $24,535,925
    Funds lent in using Kiva
  • 23.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Ana Julia buy construction materials to build a protective wall at the back of her house.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jan 21, 2012
Jan 26, 2012
Currency Exchange Loss:
May 17, 2013