Check out other loans that are currently fundraising!
Ana Julia

Update on Ana Julia

Ana Julia Z. continues to sell clothes by order from her customers. It is through these sales that she earns a living. She indicates that through the loans she has been increasing her merchandise.

However, on this occasion she will use her loan to put a roof on a room and to finish the wall along the perimeter of her house. She will change 12 zinc sheets. And she will use the following construction tools: iron, cement blocks, sand, gravel, wire, and brackets, among others. By doing these things she will have a nicer house for her loved ones.

She is grateful to Kiva and Afodenic for the support they have given her.
View original language description ↓
Doña Ana Julia Z.continua comercializando ropa por medio de encargos que su clientela le hace, es atraves de sus ventas el medio de ganarse la vida, señala la señora que mediante financiamientos ha venido aumentando su mercaderia, pero en esta ocasión el destino que tendra su credito es para el entechado de un cuarto y la terminacion del muro perimetral de su vivienda. Dentro de la misma infraestructura cambiara doce laminas de zin y hara uso de los siguientes materiales de construccion: hierro, bloques, arena, piedrin, alambre, estribos entre otros. Obteniendo con esto una vivienda mas digna para los suyos.Agradece a Kiva y Afodenic por su apoyo brindado.

Previous Loan Details

Ana, a hard-working woman, has a son in school and is currently in need of home improvement. She has her own business selling clothing which she set up some time ago with micro loans and by selling small quantities of items. She now sells more volume and variety. She is grateful to the institu... More from Ana Julia's previous loan »

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.

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
  • 85
    View loans »
    Nicaragua Loans Fundraising
  • $25,792,450
    Funds lent in using Kiva
  • 23.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Ana Julia to put a roof on a room and to finish the wall along the perimeter of her house.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Mar 23, 2012
Apr 13, 2012
Currency Exchange Loss:
May 17, 2013