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Johana Lucia

Update on Johana Lucia

Johanna is 26 years old and lives in the La Concepción area with her husband who works for a security company and supports the family by paying all of their household expenses. Thanks to God, they also can continue working on their pineapple crops.

With a lot of work, they are building a wall for their home, and thanks to this new loan, they will be able to buy supplies such as stones, bricks, cement, and sand. They will also be able to pay for a worker to help them and finish this project.

They send many thanks to Afodenic for having confidence in them and providing them this new loan.
View original language description ↓
La señora Johanna, tiene la edad de 26 años, habita en el municipio de La Concepción junto a su esposo el cual trabaja para una empresa de vigilancia quien apoya económicamente y con los gastos del hogar, gracias A Dios continua con su cultivos de Piña. Ellos con mucho esfuerzo están construyendo un muro para su vivienda y gracias a este nuevo financiamiento podrán comprar lo necesario piedras, piedrín, cemento, arena y pagar la mano de obra. Para poder terminar su proyecto.
Agradecen nuevamente a Afodenic la confianza que tienen al brindarles este nuevo crédito.

Previous Loan Details

Mrs. Johana lives in the town of San Ignacio together with her husband who works for a private firm. They share household expenses and have two children in their care. Their future plans include providing a better wellbeing for the little ones and always support their schooling. Johana has far... More from Johana Lucia'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
  • 103
    View loans »
    Nicaragua Loans Fundraising
  • $24,731,150
    Funds lent in using Kiva
  • 23.5
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $650 helped Johana Lucia to buy sand, cement, stones, and to pay a contractor.
Repayment Term
21 months (Additional Information)
Repayment Schedule
May 25, 2012
Jun 8, 2012
Currency Exchange Loss:
Jul 8, 2012