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Johana Maria
Doña Johana is 43 years old. She is married and has four kids. Together, her and her husband have made a house for their family, although there is a lot of repair work to do as one part of it is still made of wood and is very unstable; they have to reinforce the walls that are already there and put flooring down on the ground.

Her business is selling clothes and she has been in sales for a long time. She started this business with the support of her husband as through his work as a driver he does not earn very much. Her clothes' sales give them cash and credit as, thankfully, she has a lot of clients and the variety of clients has meant that her sales have improved.

With this loan she wants to invest in uniforms, knitted socks, camisoles and shoes as the school year is starting and many parents do not have enough money to buy in cash so she will sell to them and charge every fortnight. She hopes this will bring her good sales and allow her to save in order to make some home improvements. She is very grateful to the bank for making her sales and house improvements possible.
View original language description ↓
Doña Johana tiene 43 años de edad, casada, y con cuatro hijos que procreo, junto a su esposo han forjado una casa para su familia aunque a un falta mucho por reparar ya que una parte de su casa aun es de madera y insegura, hay que repellar las paredes que están y poner piso ya que es de suelo. Su negocio es la venta de ropa que durantes años se ha dedicado a la ventas, el cual inicio con apoyo de su esposo, producto de su trabajo, de conductor, el cual gana poco pero han sobresalido, sus venta de ropa las da al contado y al crédito por gracias Adios tiene muchos clientes y la variedad que ha venido vendiendo ha mejorado sus ventas. Con este préstamo quiere invertir en uniforme, calcetas, camisolines, zapatos. Ya que comienza el año escolar y muchos padre no tienen para comprar en efectivo el cual se les da para pago de de quincena, el cual espera obtener buenas venta y poder ahorrar para hacer las mejoras a su pequeña vivienda. Agradece a la institución por hacer posible su venta y la mejoría de su hogar.

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
  • 54
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 20.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Johana Maria to buy uniforms, socks, shirts and shoes to take advantage of the time of year as schools are going back/Comprar ropa de uniformes, calcetas, camisolines y zapatos para aprovechar la temporada de regreso a clase.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jan 18, 2010
Jan 19, 2010
Currency Exchange Loss:
Dec 15, 2010