Johanna Del Carmen
Update on Johanna Del CarmenJohanna is a woman who makes her living teaching. She has a bachelor’s degree in Spanish and she has been a teacher at a high school in the zone in which she lives for 15 years. She is single with one child, to whom she gives all the support necessary for developing academically.
She currently has an urgent need to improve her home, so she visited Ceprodel in order to request financing. It is for the purchase of materials such as masonry block, cement, sand, and iron; and for paying labor costs for the construction of a kitchen. In this way she will improve her family’s living conditions.
Previous Loan DetailsJohanna is a woman with a deep love for others. That is why she cares about educating others. She gives classes at an institute in the area where she lives. She has a bachelor's degree in Spanish and teaches secondary school students. She is single with 2 schoolage children and they go to school ... More from Johanna Del Carmen's previous loan »
About CEPRODELThis loan is administered by Centro de Promocion del Desarrollo Local (CEPRODEL), one of Kiva’s larger partners in Central America. Founded in 1991 and based in Managua, Nicaragua, CEPRODEL specializes in the development and funding of housing cooperatives for traditionally marginalized communities, the provision of microfinance services to small businesses, and the promotion of innovative renewable energy projects. In addition, unlike many microfinance institutions in the area that have chosen to avoid the rural areas of the country due to the increased financial risk, CEPRODEL provides financial services to numerous clients in the agriculture and livestock industry. Supporting a borrower through CEPRODEL means contributing to the promotion and sustainability of this important work in Nicaragua.
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.
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This loan has been fully funded!