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Señora Johanna is 24; is married; and has two beautiful children, who are 6 and 5. One of them goes to school in their neighborhood. Her husband works in a market in the capital, which is called the oriental market. He has his own hardware store there. Doña Johanna has had a grocery store for 3 years, which she started with money her husband gave her. This is her second loan with Afodenic, which she will use to invest in inventory since her store has few products. She hopes to buy a lot of condiments to season food for the Christmas season since her customers require a lot of them to prepare chicken. In the long term, she would like to expand her business to sell all types of products like clothing and shoes so she can educate her children.
View original language description ↓
La Sra. Johanna tiene 24 años de edad, casada y con dos hermosos hijos de 6 y 5 años de edad, uno de ello asiste ala escuelita del barrio, su esposo trabaja en un mercado de la capital que se llama mercado oriental en una ferretería propia, doña Johanna tiene una pulpería desde hace tres años, que inicio con dinero que su esposo le dio, con esta solicitud es la segunda en Afodenic lo cual va invertir inventario ya que tiene pocos productos, su pulpería y desea comprar bastante productos de condimentos para sazonar la comida, para la época de navidad que los clientes requieren bastante para preparar la gallina. Alargo plazo es es ampliar su negocio vendiendo todos los productos, ropa y calzado, a si como dar educación a sus hijos.

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.

About Nicaragua

  • $4,800
    Average annual income
  • 70
    View loans »
    Nicaragua Loans Fundraising
  • $25,073,675
    Funds lent in using Kiva
  • 19.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Johanna to purchase condiments and various merchandise to supply her store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 21, 2008
Nov 23, 2008
Currency Exchange Loss:
Jun 15, 2009