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Johanna Del Carmen

Update on Johanna Del Carmen

Johanna 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.
View original language description ↓
Johanna es una mujer dedicada a impartir el pan de la enseñanza, licenciada en Español, se desempeña como maestra de educación secundaria en un instituto de la zona donde vive con 15 años de ejercer dicha labor, soltera con 1 hijo a quien le brinda el apoyo necesario para su desarrollo académico, actualmente tiene la urgencia de mejorar su vivienda, por eso visito ceprodel para solicitar financiamiento para la Compra de materiales como: Bloque, Cemento, Arena. Hierro y pago de mano de obra, para la construcción de una cocina, de esa manera mejorar las condiciones de vida de su familia.

Previous Loan Details

Johanna 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 »

Additional Information


This 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.


About Nicaragua

  • $3,636
    Average annual income
  • 144
    View loans »
    Nicaragua Loans Fundraising
  • $24,094,200
    Funds lent in using Kiva
  • 27.2
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $750 helped Johanna Del Carmen to pay for masonry block, sand, iron, and labor costs.
74% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Apr 9, 2014
May 20, 2014
Currency Exchange Loss: