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Josefa Antonia

Update on Josefa Antonia

Josefa is married and her husband is retired. The income they receive helps with the household expenses. Three of their five children are independent and support their parents. The other two are studying.

Doña Josefa was a teacher, but fortunately she was promoted to the position of administrative secretary at the school where she works. She continues to utilize her loans for home improvements. This time she will build a wall around her house. She needs to buy cement, sand, blocks, iron, as well as pay for labor. Josefa continues to make gradual improvements to the living conditions for her family.

View original language description ↓
Josefa es casada su esposo es jubilado y con sus ingresos ayuda en los gastos del hogar, de sus 5 hijos ya tres son independientes y apoyan a sus padres dos estan estudiando, doña Josefa era maestra pero afortunadamente le ascendieron de puesto como secretaría administrativa en el colegio donde trabaja, continua utilizando sus créditos para mejoras de vivienda esta vez construirá el muro perimetral de su casa, para eso necesita comprar cemento, arena, bloques, hierro y pagar la mano de obra e ir mejorando poco a poco sus condiciones de vida junto a su unida familia.

Previous Loan Details

Josefa is a humble woman who works as a public school teacher. She is married. Along with her husband, she has the goal of improving their household infrastructure, thus offering safety to their family. Josefa is asking for a loan to purchase construction materials such as concrete, sand, gra... More from Josefa Antonia'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
  • 97
    View loans »
    Nicaragua Loans Fundraising
  • $24,742,900
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Josefa Antonia to buy cement, sand, blocks, iron, as well as pay for labor.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 17, 2012
Jan 1, 2013
Currency Exchange Loss:
Jan 18, 2014