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Johana Del Carmen
This young woman lives in Nueva Guinea. She is married and the mother of a 13 year-old son, who is in secondary school. Johana is a professional and works in a local store. She has worked for 18 years. She is a sales advisor, which is how she makes her income to raise her son. She also has a small stationary store, which also generates income. She is a determined and very hardworking woman.

She is requesting her first loan with the support of Kiva, in order to make some improvements to the part of her house where she has her business.

Her dream is for her business to grow and grow and for her son never to go hungry.
View original language description ↓
Esta joven habitante de Nueva Guinea, es casada, madre de un hijo de 13 años de edad, quien realiza estudios de secundaria, Johana es una profesional y desarrolla su función en una tienda, tiene de trabajar 18 años, es asesora de venta de donde obtiene sus ingresos para salir adelanto con su hijo, ademas cuenta con una pequeña libreria que tambien le genera ingresos; es una mujer luchadora y muy trabajadora.

Solicita su primer crédito con el apoyo de Kiva para realizar mejora en su casa ya que nececita realizar una mejora en el local del negocio.

Su sueño es que su negocio cresca cada vez mas y que a su hijo no le falte el pan de cada dia.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Nicaragua

  • $4,800
    Average annual income
  • 80
    View loans »
    Nicaragua Loans Fundraising
  • $25,792,450
    Funds lent in using Kiva
  • 22.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Johana Del Carmen to make improvements to the part of her house where her stationary store is located.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 29, 2011
Mar 1, 2011
Currency Exchange Loss:
Aug 16, 2012