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Update on Johanna

Johanna is a hardworking woman who dedicates herself completely to her general store. Her husband sells hardware products. Her daughters are now older. One attends university and the other is in primary school.

Johanna's dream is to be able to allow both of them to attend school. She is requesting this loan to continue investing in her business so that she can achieve this goal. She gets up early every morning in order to sell and meet the daily household expenses.
View original language description ↓
Doña Johanna, es una señora muy trabajadora, se dedica por completo a su negocio de pulpería y su esposo vende productos ferreteros, sus hijas ya están más grandes, una va a la universidad y la otra está en la escuela primaria, para doña Johanna su mayor sueño es poderles dar los estudios a cada una de ellas, es por eso que solicita este crédito para continuar invirtiendo en su negocio para lograr su meta, ella se levanta muy de mañana para poder vender y cumplir con los gastos diarios del hogar.

Previous Loan Details

Johanna is a businesswoman with goals for her future. One of her goals in life is to invest in her general store since through her own business she helps provide for the survival and progress of her family members. Johanna will use the credit that will be granted on this occasion to buy basic g... More from Johanna'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
  • 76
    View loans »
    Nicaragua Loans Fundraising
  • $25,418,800
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $1,025 helped Johanna to purchase grains, pastries, candy, sodas, dairy products, eggs, and canned goods.
Repayment Term
19 months (Additional Information)
Repayment Schedule
Apr 30, 2013
Jun 4, 2013
Currency Exchange Loss:
Jul 4, 2013