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Johana Elizabeth
Johana is asking for a refinancing of her fourth loan to invest in improving her home by building a room. She has worked as an accountant and teacher in the urban zone of New Guinea at the URACCAN University for 8 years. Currently, she is doing post-graduate work at the Nueva Guinea campus of URACCAN University. She is humble, responsible, honest, and has many dreams of succeeding personally and professionally. She professes evangelical religion. She has an 8 year-old son who is in third grade. They live in the Linda Vista de Nueva Guinea neighborhood where the population grows more each day. Her greatest dream is to have job stability, a beautiful home, and for her child to study to have a better life.
View original language description ↓
Johana esta solicitando su 4to refinanciamiento para invertirlo en mejora de su vivienda como es construir una habiatación, labora como contador y docente en la Universidad URACCAN zona Urbana de Nueva Guinea desde hace 8 años, actualmente esta estudiando un post grado en Universidad URACCAN recinto Nueva Guinea, se caracteriza por ser humilde, responsable, honesta y con muncho deseos de superación personal y profesional, profesa la religión evangelica. Tiene un hijo de 8 añitos que estudia su tercer grado de educación primaria, viven en el barrio Linda Vista de Nueva Guinea donde la población cada dia crece mas, su mayor sueño es tener estabilidad laboral, una vivienda bonita y que su hijo estudie para que sea persona de bien.

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
  • 111
    View loans »
    Nicaragua Loans Fundraising
  • $24,828,400
    Funds lent in using Kiva
  • 19.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Johana Elizabeth construction of a room.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Dec 17, 2008
Jan 1, 2009
Currency Exchange Loss:
Apr 15, 2010