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Update on Juana

Juana is married, and her husband always supports her with his job as a security guard. She is still in business selling firewood and cultivating her small garden, which she has been doing for many years. Her sixteen-year-old son works with her. He is still in her care, while her other children are older and live on their own.

She is requesting her 18th loan for infrastructure. She will continue plastering her home and replace the roof, which is in bad condition, so she needs to buy sheets of zinc, cement, and purlin beams for her house to become a better environment.
View original language description ↓
Doña Juana es una señora casada, su esposo con su trabajo como guarda de seguridad la apoya siempre. Ella continua con su negocio de la venta de leña y cultivando en su pequeño huerto que lleva muchos años, su hijo de 16 años trabaja con ella quien está bajo su cargo siendo los de más mayores de edad e independientes. Está solicitando su decimo octavo crédito para infraestructura, continuar con el repello de su casa y puesta de techo el cual está en malas condiciones por lo que necesita comprar laminas de zinc, cemento, perlines para brindar un mejor ambiente en su vivienda.

Previous Loan Details

Doña Juana is very hardworking, and for several years has sold firewood, corn, and beans from her cart. Her son helps her sell these items, and her husband is in charge of growing the crops. Sixty percent of her sales are from her own crops in a plot of land that she owns. She has taken advant... More from Juana'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
  • 126
    View loans »
    Nicaragua Loans Fundraising
  • $24,551,600
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Juana to purchase sheets of zinc, cement, and purlin beams.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 13, 2013
Mar 1, 2013
Currency Exchange Loss:
Feb 17, 2014