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Janett Concepcion
Janett D. is 44 years old. She is a determined woman and works hard to achieve economic stability in her life. She gets up early to work in a kiosk that she has at a highschool where she sells various products to the students, such as: fruit drinks, ice cream, enchiladas, sweets, soft drinks, and other foods that she makes to sell every day. She has been selling at the kiosk for four years and hopes to continue there because sales are good. With this loan she will increase her stock to offer more products and increase her sales. She has been with Afodenic for eight loan cycles and has been able to achieve having a solid business. Her plans are to finish making a few changes to her house and to expand her place of business. She gives thanks to the institution for making her increased sales possible.
View original language description ↓
Doña Janett D. de 44 años de edad, es una mujer luchadora y esforzada para lograr una estabilidad económica en su vida, desde horas temprana se levanta para ir a trabajar en un kiosco que tiene en un colegio en donde vende variados productos a los jóvenes como: frescos, helados, enchilada, golosinas, gaseosas y otros alimento que prepara para vender día a día. Lleva cuatro años administrando el kiosco y espera seguir ya que las venta son buenas es por eso con este financiamiento aumentara las compras para ofertar sus productos y elevar las ventas. Son ocho ciclos los que lleva en Afodenic ya que ha logrado superarse en su negocio solidó, sus planes es poder terminar de hacer unos remodelaciones a su casa, a si como ampliar el local de las ventas. Da las gracias a la institución por hacer posible su incremento en las ventas.

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
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,415,325
    Funds lent in using Kiva
  • 20.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Janett Concepcion to buy meat, vegetables, and sweets to increase her sales at her kiosk.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 24, 2009
Oct 1, 2009
Currency Exchange Loss:
Jul 15, 2010