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Ana Julia

Update on Ana Julia

Ana Julia, a single mother, manages to continue supporting her children, who are grown up, especially for them not to stop going to class.

She carries on renting bedrooms and she is also a seamstress to balance out her spending.

The loan that Ana Julia is requesting will be used to invest in the improvement of her home, as she wishes to add ceramic tiles to her living room in order for it to look better and for her family to have more comfort.
View original language description ↓
Doña Ana, siendo madre soltera, se las ingenia para seguir manteniendo a sus hijos, sobre todo para que no dejen de ir a clases quienes ya son grandes, ella continúa con el alquiler de cuartos y para equilibrar sus gastos también hace costuras de ropa. El crédito que solicita es para invertir en mejora de su hogar, desea ponerle cerámica a la sala de su casa para darle una mejor presentación y sobre todo tener comodidad para su familia.

Previous Loan Details

Ana Julia continues in her business of renting rooms and dressmaking, both of which she has been involved in for various years. She is a single mother with 3 children, 2 of whom are studying while the eldest is working. Using previous loans, she has constructed or improved her rental rooms. To... More from Ana Julia'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

  • $3,636
    Average annual income
  • 95
    View loans »
    Nicaragua Loans Fundraising
  • $24,386,550
    Funds lent in using Kiva
  • 24.7
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $900 helped Ana Julia to buy ceramic tiles, cement and pay for labour costs.
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jun 22, 2013
Jul 7, 2013
Currency Exchange Loss:
Aug 6, 2013