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Johana Group
In this Group: Nubia , Agustina, Johana

Update on Johana Group

The group consists of three successful business partners. One of them is Johana who started as a street vendor selling cigarettes and candy. Currently she sells enchiladas, tacos, grilled meat and soda out of her home. She has been working out of her home for the past eight years. Her dream is to buy a store awning in order to provide better service for her customers.

She will invest this loan in buying staples such as rice, oil, beans, chicken, beef and vegetables.

Nubia runs a small restaurant and Agustina runs a small grocery store.
View original language description ↓
Grupo formados por tres socias exitosas una de ellas es Johana que comenzó vendiendo cigarrillos, caramelos, ambulante actualmente vende enchiladas, tacos, carne asada gaseosas en su domicilio esta actividad la viene realizando desde hace 8 años sus sueños es conseguir un toldo para brindar mejor atención a sus clientes. Este crédito lo invertirá en la compra de materia prima como arroz, aceite, frijoles, carne de pollo, carne de res, legumbre. Doña Nubia tiene una venta de fritanga y Agustina tiene una pulpería.

Previous Loan Details

The group "Johana" consists of three hardworking and enterprising individuals. One of them is Johana Patricia, who manages an eatery that she started eight years ago with the help of her husband. With what he contributes on a biweekly basis and through her hard work, Johana has been able to inc... More from Johana Group's previous loan »

Additional Information

About ADIM

Located in Central America, ADIM is a small microfinance institution with a strong social focus. In the saturated microfinance market of Nicaragua, ADIM stands out for its emphasis on the holistic development of women as well as its provision of responsible financial services. Founded in 1989 by a small group of Nicaraguan women, this institution has remained true to its initial goal of providing its clients (90% of which are women) with an opportunity for economic growth, in addition to personal and professional empowerment. Supporting an ADIM borrower means contributing not only to the continued offering of the socially conscious services it provides, but also to the sustainable growth of a truly unique microfinance institution.

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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Nicaragua

  • $4,800
    Average annual income
  • 89
    View loans »
    Nicaragua Loans Fundraising
  • $25,032,475
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Johana Group's $900 loan helped a member to buy staples such as rice, oil, beans, sugar, beef, chicken, etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Sep 24, 2012
Nov 1, 2012
Currency Exchange Loss:
Jan 19, 2013