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Julia Nora
Doña Julia lives in the neighbourhood of Hugo Chavez. She is 44 years old and runs a convenience store which she was able to start several years ago with her own savings and money sent to her from El Salvador by her husband. Because of the difficult crisis in the country, he wasn't able to find work so emigrated to El Salvador and in this way was able to support their seven children. Only three of them are working; the others are in school and have many expenses.

They still haven't managed to complete their house which is made of concrete and zinc sheeting. The inside walls are still made of black plastic and earth--they haven't managed to find the money to improve them.

With this loan Julia will increase the stock in her store. She plans to buy basic grains, milk products, candy, canned goods, cereals, and soft drinks, all of which are regularly asked for by her customers. She will save the profits and use the money to make improvements to the house. Her greatest wish is to have a decent home for her children.
View original language description ↓
Doña Julia vive en el bario Hugo Chavez, tiene 44 años de edaad, su negocio es una pulpería que desde hace varios años logro poner con ahorros y dinero de envió que su esposo manda desde el salvador, por la difícil crisis del país, no encontró trabajo el cual emigro al Salvador y de esta manera poder apoyar a sus siete hijos de los cuales solo tres trabajan y los demás estudian y son muchos gastos. Su casa aun no la han logrado terminar por completo, es de concreto y zinc forrado y las divisiones aun son de plástico negro y de tierra, pero por razones de dinero no han logrado hacer las mejoras. Con este financiamiento lograra aumentar el inventario de su venta como: granos básicos, lácteos, golosinas, productos enlatados, cereales, gaseosas, para poder cumplir con la demanda de sus clientes y con las ganancias ahorrar para poder de esta manera hacer las mejoras de su casa, que es lo que mas desea para sus hijos un techo digno.

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
  • 38
    View loans »
    Nicaragua Loans Fundraising
  • $26,366,175
    Funds lent in using Kiva
  • 21.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Julia Nora to buy basic grains, milk products, candy etc.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 30, 2010
Apr 4, 2010
Currency Exchange Loss:
Jan 19, 2011