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Johana Maria

Update on Johana Maria

Johana is a resident of an area on the outskirts of Managua. She works selling miscellaneous clothing in the markets of Managua. Her husband is a truck driver.

She is seeking a loan to install a second toilet on the outside of her home. With the financial support, she will purchase the following materials: toilet, blocks, cement, sand, stones, plumbing, zinc sheets and purlins.
View original language description ↓
Doña Johana es habitante de una zona marginal de Managua, labora vendiendo ropa variada de manera ambulante en los mercados de Managua, y su esposo es conductor de camiones, la señora solicita el crédito para instalación de un segundo servicio higiénico en la parte exterior de su casa, con el apoyo del financiamiento comprara los materiales: inodoro, bloque, cemento arena, piedrín, tuberías, laminas de zinc y perlines.

Previous Loan Details

Mrs. Johana is married and her husband works as a driver for a government institution. They have four children all already married and working. She sells clothing in the market. Her previous credit was used to build a wall, and now with this other loan she will use it to finish the constructio... More from Johana Maria'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

  • $4,800
    Average annual income
  • 66
    View loans »
    Nicaragua Loans Fundraising
  • $25,079,250
    Funds lent in using Kiva
  • 25.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Johana Maria purchase materials such as: a toilet, blocks, cement, sand, stones, plumbing, zinc sheets and purlins,.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Dec 26, 2013
Jan 17, 2014
Currency Exchange Loss:
Apr 17, 2015