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Joice is a friendly woman and a native of Waspam. She is a single mother with two children in elementary school. With the goal of providing her children with a respectable and safe home, she is requesting her second loan to purchase 250 cinder blocks as she little by little builds a concrete home. Her dream is to establish a business in the home.
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Joice: Es una señora amable, originaria de Waspam, madre soltera de 2 adolescentes que estudian su primaria. Con el propósito de brindarles a sus hijos una vivienda digna y segura, solicita su segundo financiamiento para construir poco poco su vivienda de concreto, comprar 250 bloques. Su sueño es establecer un negocio 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
  • 103
    View loans »
    Nicaragua Loans Fundraising
  • $24,739,175
    Funds lent in using Kiva
  • 26.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Joice to purchase 250 cinder blocks.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jun 30, 2014
Aug 7, 2014
Currency Exchange Loss:
Mar 17, 2015