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Ana Rosa

Update on Ana Rosa

Ana is a single mother. All of her children are independent except for one, who was born with special needs and requires medical treatment outside the country. For this reason she incurs expenses that she can't cover as a janitor for a government building, so she needs a loan in order to purchase bundles of used men and women's clothing: assorted pants, shirts, blouses, and dresses, which she sells at work to help make ends meet.
View original language description ↓
La señora Ana, es madre soltera sus hijos son independientes a excepción de uno de ellos que nació con capacidades diferentes, que requiere de tratamiento medico fuera de país, lo que incurre en gastos que como conserje de una institución estatal no puede cubrir, por tal razón, requiere de un préstamo para comprar ropa de pacas, variedad de pantalones, camisas, blusas, vestidos, para damas y caballeros de segunda mano, los que vende en su trabajo para ayudarse.

Previous Loan Details

Ana is working as a janitor, and she sells used clothes. She does this in order to get better income. She is a single mother, and her children are married. She is an enterprising woman. She also knows how to sew, which she does in her free time. She likes being able to cover her personal e... More from Ana Rosa'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 Nicaragua

  • $4,800
    Average annual income
  • 132
    View loans »
    Nicaragua Loans Fundraising
  • $24,558,975
    Funds lent in using Kiva
  • 24.4
    Nicaragua Cordobas (NIO) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,025 helped Ana Rosa to purchase bundles of men and women's clothing: assorted pants, shirts, blouses, and dresses.
99% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Feb 19, 2013
Mar 1, 2013
Currency Exchange Loss:
Feb 17, 2015