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Johana Elizabeth

Update on Johana Elizabeth

Johana Elizabeth has been working as an internal auditor for the University of Uraccan for the past 12 years. She gets some financial help each month from the father of her two children each month and she is very grateful to the institution because the construction of her house was financed by AFODENIC. It has helped improve her family’s living conditions. She is known for being a very hardworking and helpful woman and is very well liked by her coworkers and neighbors.

She is asking for this loan so that she can pay for labor, as she already has all the materials she needs to build her house.

Her dreams are to have her own home; for her children to be healthy; and to have job stability so that she can help her family.
View original language description ↓
Doña Johana Elizabeth trabaja como Auditora Interna de la Universidad Uraccan desde hace 12 años, ella cuenta con la ayuda economica mensual del padre de sus 2 hijos, esta clienta se siente muy agradecida con la instituciòn ya que el solar donde esta construyendo su casa fue financiado por AFODENIC y ha mejorados su condiciones de vida y de su familia, se caracteriza por ser una mujer servicial y muy trabajadora, es muy querida por sus compañeros de trabajos y vecinos.

Solicita su crèdito para pagar la mano de obra ya que tiene todo el material para inicar a construir su vivienda.

su sueño es tener su propia vivienda , que sus hijos esten llenos de salud y tener estabilidad laboral para ayudar a su familia.

Previous Loan Details

Johanna Elizabeth, 31, is single; she is employed at URACCAN University as an accountant. She has two children, the oldest, who is 10 years old and the youngest, who is 7; both are in elementary school. They live in the Nueva Guinea urban zone. She is currently studying for a post-graduate deg... More from Johana Elizabeth'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
  • 126
    View loans »
    Nicaragua Loans Fundraising
  • $24,592,950
    Funds lent in using Kiva
  • 23.8
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $1,075 helped Johana Elizabeth to pay for labor.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 20, 2012
Oct 2, 2012
Currency Exchange Loss:
Nov 1, 2012