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Julia Damiana

Update on Julia Damiana

Julia lives in a well-known barrio in Managua. Her husband is always working as a driver, and they have two children who are in school. Julia has worked to provide them with life's necessities with her small business selling corn tortillas for the past three years. It is very hard work, since she gets up very early because it takes a long time to process the corn, and the profits aren't enough on their own, so she also works as a domestic servant at a particular home. Now she is requesting her third loan to build a room so her children can be more comfortable, for which she needs to purchase sand, cement, blocks, iron and gravel so she can start the work.
View original language description ↓
Doña Julia habita en el barrio 380 muy conocido en Managua, su esposo siempre laborando como conductor, ambos tienen dos hijos que estudian, ella trabaja para ellos brindándoles lo necesario en la vida con su pequeño negocio de venta de totillas de maíz desde hace 3 años labor muy pesado ya que lleva un largo lapso procesar el maíz desde muy tempranas horas y como las ganancias no son lo suficiente también trabaja como empleada domestica en una casa particular, así va progresando en la vida doña Julia, ahora está optando por un 3er crédito para construir un cuarto para que sus hijos estén más cómodos, por lo que necesita comprar arena, cemento, bloques, hierro, piedrines y empezar la obra.

Previous Loan Details

Julia continues with her business of selling corn and tortillas; since her husband harvested corn from a brother-in-law's land, she has been selling it by the pound or quintal [100 lbs], as it is one of the most in-demand grains in the business. Her husband is working as a driver in a private hou... More from Julia Damiana'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

  • $3,636
    Average annual income
  • 119
    View loans »
    Nicaragua Loans Fundraising
  • $24,405,100
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Julia Damiana to purchase sand, cement, blocks, iron and gravel.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 26, 2012
Jan 10, 2013
Currency Exchange Loss:
Feb 17, 2014