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Johana Del Carmen
Mrs. Johana lives in the municipality of Ticuantepe. She is a hardworking and modest woman, and single mother of two children. She has worked selling fruits and vegetables for two years now.

Her biggest dream is to repair her modest house to provide a better future for her children. She will use this loan to buy construction materials such as sand, blocks, cement, iron, etc. Mrs. Johana has plans to make improvement to the kitchen and is grateful to Afodenic and Kiva Microfunds for the support she has received.
View original language description ↓
la señora Johana habita en el municipio de Ticuantepe, mujer humilde trabajadora, madre soltera de dos peqeños, ella es comerciante de frutas y verduras desde hace dos años, su mayor sueño es componer su humilde casita par darles una mejor futuro a sus hijos, con este credito compra materiales de cosntruccion como: Arena, Bloques, Cemento, Hierro etc. doña Johana tiene pensado mejorar la cocina de su casa y agradece el apoyo que Afodenic en conjunto a Fondos Kiva le han brindado.

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.

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
  • 133
    View loans »
    Nicaragua Loans Fundraising
  • $24,558,975
    Funds lent in using Kiva
  • 25.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Johana Del Carmen to buy construction materials.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 21, 2013
Jun 3, 2013
Currency Exchange Loss:
Jun 17, 2014