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Juana Francis
View original language description ↓
Juana is a single mother of three. Being head of the household has not been easy, and she has had to work very hard to provide her children with an education. Her oldest son is working in Spain, leaving her take care of her grandson. Her middle child is studying at a university, and the youngest is in high school.

Twenty years ago Juana decided to start her own business in the local market after working previously for similar businesses. She began with only $30 of start-up capital and a small table, and now has five employees and a bigger store. She has been a partner with CEPRODEL for one year, which has allowed her business to grow.

Translated from Spanish by Marty Greenstein, Kiva Volunteer

Juana Francis es madre soltera de tres hijos. Su trabajo como jefa de familia no ha sido fácil ya que ha tenido que luchar y trabajar muy duro para darle educación a sus hijos. El mayor lo envío a trabajar a España haciéndose cargo ella de su nieto, el segundo de sus hijos lo tiene estudiando en la universidad y el tercero en secundaria.

Hace 20 años Juana Francis decide poner su negocio propio en el mercado EL BISNE tras laborar anteriormente en negocios similares. Empezó apenas con un capital de US$30.00 y una mesita pequeña, ahora cuenta con 5 trabajadores a su cargo y un amplio local. Trabaja con CEPRODEL desde hace 1 año y su experiencia le ha permitido crecer.

Additional Information


This loan is administered by Centro de Promocion del Desarrollo Local (CEPRODEL), one of Kiva’s larger partners in Central America. Founded in 1991 and based in Managua, Nicaragua, CEPRODEL specializes in the development and funding of housing cooperatives for traditionally marginalized communities, the provision of microfinance services to small businesses, and the promotion of innovative renewable energy projects. In addition, unlike many microfinance institutions in the area that have chosen to avoid the rural areas of the country due to the increased financial risk, CEPRODEL provides financial services to numerous clients in the agriculture and livestock industry. Supporting a borrower through CEPRODEL means contributing to the promotion and sustainability of this important work in Nicaragua.

About Nicaragua

  • $4,800
    Average annual income
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,236,725
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Juana Francis purchase supplies.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Oct 23, 2007
Oct 9, 2007
Currency Exchange Loss:
Jan 24, 2008