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Johana Maria

Update on Johana Maria

Mrs. Johana is married and her husband works as a driver for a government institution. They have four children all already married and working. She sells clothing in the market. Her previous credit was used to build a wall, and now with this other loan she will use it to finish the construction of her house since she still needs to buy wooden doors, decorative window bars, and round pipes in order to make the trellis and the window casings. For that reason she needs to invest in the aforementioned items in order to provide greater security for her family and to continue growing little by little with the help of Kiva and Afodenic.
View original language description ↓
Doña Johana es casada su esposo trabaja como conductor en una institución del gobierno, tienen 4 hijos todos ya casados y trabajan, ella vende ropa en el mercado, su crédito anterior lo utilizo para construir un muro, ahora este otro préstamo lo utilizara para terminar parte de la construcción de su casa ya que todavía le falta poner y necesita comprar puertas de madera, varillas torneadas, tubos redondos, para hacer enverjado y la puesta de las ventanas por lo que requiere invertir en lo mencionado para mayor seguridad de su familia y seguir creciendo poco a poco con ayuda de Kiva y Afodenic.

Previous Loan Details

Johana is still selling new clothes to support her family and herself. Part of her sales go towards her living expenses, as her children are still little. For years Johana's goal has been to improve her home, but since her other priority is her children, she has to invest her money in her bus... More from Johana Maria'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
  • 69
    View loans »
    Nicaragua Loans Fundraising
  • $25,083,125
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Johana Maria to buy wooden doors, decorative window bars, and round pipes in order to make the trellis and the window casings.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 17, 2012
Dec 1, 2012
Currency Exchange Loss:
Dec 17, 2013