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Jean Ladylee
This is a hard-working and friendly woman. She is married, is 25 years old, and has an 8-year-old son who is in the fourth grade in primary school. Her husband works informally; he is a taxi driver. She is applying for her first loan to build a 24 x 12 foot concrete addition and to buy materials: 700 blocks, 30 bags of cement, iron, fine sand, and coarse sand. The addition will be used for bedrooms: one for her son and the other for her and her husband. Now they have a living room and kitchen, which are used as a single space. Her dream is to have her own business, a clothing store in her home.
View original language description ↓
Es una mujer luchadora y amable, casada, tiene 25 años de edad y tiene un hijo de 8 años que está en cuarto grado de primaria. Su esposo trabaja de manera informal, es taxista. Solicita su primer financiamiento para construir anexo de concreto de 24 x 12 pies y comprar materiales: 700 bloques, 30 bolsas de cemento, hierro, arena fina y arena gruesa. El anexo será utilizado como cuarto: Uno para su hijo y el otro para ella y su esposo. Actualmente disponen de la infraestructura de la sala y cocina, la cual era utilizada como un solo espacio. Su sueño es tener su propio de negocio, una tienda de ropa en su vivienda.

Additional Information

About Pana Pana

Pana Pana is a nonprofit civil association founded in 1990 in Nicaragua. The organization’s official name is Asociacion para el Desarrollo de la Costa Atlantica (Association for the Development of the Atlantic Coast) but they have always been know as Pana Pana which means “mutual help” in the local language.

Pana Pana offers loans for commerce, housing, and a small number of agriculture loans. They also have a small social development unit that runs Pana Pana’s non-financial services. This includes technical assistance for housing loans and the development of a water and sanitation project.

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
  • 101
    View loans »
    Nicaragua Loans Fundraising
  • $24,738,100
    Funds lent in using Kiva
  • 25.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Jean Ladylee to construct a 24 x 12 foot concrete addition and buy materials: 700 blocks, 30 bags of cement, iron, fine sand, and coarse sand.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 15, 2014
Mar 21, 2014
Currency Exchange Loss:
Mar 17, 2015