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Justina Emperatriz

Update on Justina Emperatriz

Justina Emperatriz is 69, single, and the mother of three children. She was born in Chinandega department in western Nicaragua. She owns a small store where she sells basic household items such as grains, detergents, frozen foods, canned goods, and candies. Despite her age, hardworking Justina Emperatriz also sells children's clothing and underwear. Several years ago, she opened a fruit business with little capital. Thanks to hard work, she has managed to get ahead. She has applied for a loan to buy more merchandise to stock her store. Her dream is to invest more so that her business grows.
View original language description ↓
Justina Emperatriz tiene sesenta y nueve años de edad, soltera y es madre de tres hijos, es originaria del departamento de Chinandega ubicado al occidente del país, es propietaria de una pulpería en la cual distribuye productos de consumo básico en el hogar, como granos básicos, detergente, productos congelados, embutidos y golosinas. Justina Emperatriz a pesar de su edad, es muy trabajadora ya que aparte de la pulpería se dedica a la venta de ropa para niños y ropa interior. Inicio su negocio desde hace varios años con poco dinero, con una pequeña venta de fruta pero gracias a su empeño ha logrado salir adelante. Solicita el crédito para comprar más productos y aumentar su inventario. Su mayor sueño es invertir más para poder mejorar su negocio.

Previous Loan Details

Justina Emperatriz has had a small store for six years and through this, she has proven to be a hardworking woman who enjoys her work. This is not her first time requesting a loan for her business, which is why she is happy with her business. Her greatest challenge has been her health, as she s... More from Justina Emperatriz's previous loan »

Additional Information

Fundación Leon 2000

This loan is administered by Fundación Leon 2000. Fundación Leon 2000 began operations in 1993 as the first microfinance institution to serve the western part of Nicaragua, a country which continues to be one of the poorest in the western hemisphere. Fundación Leon 2000 works to further the development of micro, small, and medium enterprises through credit services and management, applying the best credit industry practices and technical expertise. Additionally, Fundación Leon manages several business and financial education programs in the community, specifically for young entrepreneurs and at-risk youth. Fundación Leon 2000’s group of experienced and dedicated employees works in 7 offices in Leon, Chinandega, Chichigalpa, Somotillo, Jinotepe, El Sauce, and Nagarote and serves several thousand clients (the majority of whom are women).

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
  • 66
    View loans »
    Nicaragua Loans Fundraising
  • $25,101,575
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Justina Emperatriz to buy items like rice, sugar, oil, detergents, frozen foods, and canned goods.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Apr 4, 2013
Apr 8, 2013
Currency Exchange Loss:
Dec 17, 2013