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Johanna Del Carmen

Update on Johanna Del Carmen

Johanna del Carmen is a successful entrepreneur who, with much effort, started her own business because she had no job and needed an income for the family. She already received a loan through the foundation and proved herself to be very responsible. She says that thanks to this support she has been able to increase her inventory and customer base.

Johanna is requesting a new loan to buy a variety of clothing, cosmetics, shoes and other products requested by her customers.
View original language description ↓
Johanna del Carmen es un emprendedora con éxito ya que con muchos esfuerzos ha emprendido su propio negocio esto lo emprende por la falta de empleo y la necesidad de generar ingresos para la familia. Johanna ya ha tenido crédito con fundación lo cual ha sido una persona responsable y ella nos explica que gracias al apoyo que se le ha brindado ha aumentado su inventario y su clientela. Johanna esa nuevamente solicitando crédito para invertir en el negocio en la compra de mercadería como variedad de ropa, cosmético, zapatos entre otros productos que demandan sus clientes.

Previous Loan Details

Johanna is 38 years old, is single, and has a six-year-old son. For eight years she has sold general merchandise, so this is not her first experience with financing. She has always been known for good customer service. Johanna sells a wide variety of products like sheets, towels, cosmetics, ... More from Johanna Del Carmen's previous loan »

Additional Information

Fundación Leon 2000

This loan is administered by Fundación Leon 2000. Fundación Leon 2000 began operations in 1993 as the first microfinance institution to serve the western part of Nicaragua, a country which continues to be one of the poorest in the western hemisphere. Fundación Leon 2000 works to further the development of micro, small, and medium enterprises through credit services and management, applying the best credit industry practices and technical expertise. Additionally, Fundación Leon manages several business and financial education programs in the community, specifically for young entrepreneurs and at-risk youth. Fundación Leon 2000’s group of experienced and dedicated employees works in 7 offices in Leon, Chinandega, Chichigalpa, Somotillo, Jinotepe, El Sauce, and Nagarote and serves several thousand clients (the majority of whom are women).

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Nicaragua

  • $4,800
    Average annual income
  • 51
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 23.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Johanna Del Carmen to buy a variety of clothing, cosmetics, shoes and other products.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 28, 2011
Dec 31, 2011
Currency Exchange Loss:
Jan 19, 2014
This photo was used before for a previous loan for Johanna Del Carmen. It was first posted on Kiva on Oct, 2010. Learn More