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Johana Del Carmen

Update on Johana Del Carmen

Johana owns a small centre where she offers computer classes. Her husband is a professor. Johana is requesting her second loan for the purchase of plasma computer monitors in order to update her equipment as required by to update the computers in accordance with the regulatory body [that oversees her business]. This way, she will be offer a better quality service to her students. She is an enterprising, hard-working woman who is very well-known in her area as an honest, capable and very responsible leader. She is grateful to the institution for this service.
View original language description ↓
Johana, desde hace algunos años es propietaria de un pequeño centro donde se imparte clase de computación, su esposo es el profesor; Johana solicita el crédito para compra de monitores(plasma) para actualizar los equipos de computo por orientaciones del ente regulador y asi brindar un servicio de mayor calidad a los estudiantes. Se caracteriza por ser una señora emprendedora, trabajadora y muy reconocida en el municipio como una persona honesta, capaz y muy reponsable, lider, esta agradecida con la institucion por el servicio recibido.

Previous Loan Details

This young woman lives in Nueva Guinea. She is married and the mother of a 13 year-old son, who is in secondary school. Johana is a professional and works in a local store. She has worked for 18 years. She is a sales advisor, which is how she makes her income to raise her son. She also has a smal... More from Johana Del Carmen'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
  • 118
    View loans »
    Nicaragua Loans Fundraising
  • $24,832,675
    Funds lent in using Kiva
  • 23.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Johana Del Carmen to buy computer monitors.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 29, 2012
Apr 16, 2012
Currency Exchange Loss:
Mar 17, 2014