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Johana Patricia
Johana lives in the city of Managua with her common-law husband and two small school-aged children.

Johana used to work at a coffee shop outside the school near her home, but then experienced problems with the rent increase on her house, meaning she had to increase her income. That is why she decided to sell used clothing because of its low price and the fact that people buy it more frequently.

On a typical work day Johana begins at 9:00 a.m. by taking the clothing out on her porch. She spends all day attending to customers and puts away the merchandise at around 9:00 p.m.

She is requesting a loan through Ceprodel and Kiva to buy more packs of clothing so she can offer a wider variety to customers. Her goal is to improve her lifestyle and increase her household earnings for the benefit of the family. She also wants to sell better clothing to her customers.
View original language description ↓
La señora Johana habita en la ciudad de Managua, es acompañada y tiene dos pequeños hijos en edad escolar.

Doña Johana anteriormente se dedicaba a atender un pequeño cafetín en una escuela que queda en las cercanías de su casa de habitación, pero luego de tener problemas con el incremento de la renta en la casa que habita tubo que buscar otra forma de incrementar su ingresos, fue por tal razón que decide dedicarse a la venta de ropa usada ya que tiene precios mas bajos y las personas adquieren con mas frecuencia.

Un día típico de doña Johana da inicia a las 9 de la mañana, saca la ropa en el porche de su casa, atiende a sus clientes durante todo el día y guarda su mercadería a eso de las nueve de la noche.

Esta solicitando un crédito a ceprodel y kiva para poder comprar más pacas de ropa y tener mayor variedad que ofrecerles a sus clientes, con el objetivo de mejorar su calidad de vida y poder llevar mayores ingresos a su hogar en beneficio de su familia. Y su su clientela al venderles mejores prendas de ropa.

Additional Information


This loan is administered by Centro de Promocion del Desarrollo Local (CEPRODEL), one of Kiva’s larger partners in Central America. Founded in 1991 and based in Managua, Nicaragua, CEPRODEL specializes in the development and funding of housing cooperatives for traditionally marginalized communities, the provision of microfinance services to small businesses, and the promotion of innovative renewable energy projects. In addition, unlike many microfinance institutions in the area that have chosen to avoid the rural areas of the country due to the increased financial risk, CEPRODEL provides financial services to numerous clients in the agriculture and livestock industry. Supporting a borrower through CEPRODEL means contributing to the promotion and sustainability of this important work in Nicaragua.

About Nicaragua

  • $4,800
    Average annual income
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Johana Patricia to buy a pack of used clothing.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 13, 2013
Feb 19, 2013
Currency Exchange Loss:
Mar 18, 2014