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Johanna Isabel
Johana is 43 years old, single, and is a civil engineering student. She sells automotive lubricants and this business covers her household and family expenses. She is asking for this loan so she can graduate and obtain her professional title. In the future she wants study for a master’s degree in criminal justice. She has many desires to get ahead and hopes that she can make her dreams come true with her title.
View original language description ↓
La señora Johana tiene 43 años de edad, es soltera estudiante de la carrera de ingeniería civil, ella se dedica a la venta de lubricantes para vehículos, con este negocio cubre sus gastos del hogar y de la familia. Ella solicita el apoyo de crédito para poder ingresar al seminario de graduación y tramitar su título profesional, a futuro desea estudiar una maestría en derecho penal, tiene muchos ánimos de superación y espera que con su titulo pueda hacer sus sueños realidad.

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 Nicaragua

  • $4,800
    Average annual income
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 25.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Johanna Isabel to pay for her degree.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 17, 2013
Jan 2, 2014
Currency Exchange Loss:
Dec 17, 2014