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Juana Maria

Update on Juana Maria

Juana still has only one source of income - selling tortillas and cooked beans. She is exposed to the heat of the fire and the wood smoke all day as she makes her tortillas. Meanwhile, her husband also works to contribute to the household expenses and, in this way, they support their children who are growing every day and are enrolled in school. This loan, the fourth she has applied for, will be used to finish building a wall in her home so as to improve her family's living conditions and ensure her sons' safety.
View original language description ↓
Doña Juana continua con su único medio de ingresos la venta de tortillas, frijoles cocidos para el cual pasa casi todo el día exponiendose al calor del fuego y el humo de la leña haciendo las tortillas, mientras su esposo labora también para aportar en los gastos de la casa y de esa manera sacan adelante a sus hijos quienes cada día van creciendo y cursando su año escolar, este cuarto crédito que solicita es para lograr terminar de construir el muro de su casa para vivir en mejores condiciones y garantizar la seguridad de sus hijos.

Previous Loan Details

Juana has been selling tortillas and baked goods for five years. She is working for the common good of her family. Her husband works as an operator, and her children are in elementary school. Juana has been improving her house with loans from Afodenic. It has been very satisfying because ... More from Juana Maria'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 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
  • 57
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 24.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Juana Maria to buy breezeblocks, cement and sand.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 22, 2013
Apr 5, 2013
Currency Exchange Loss:
Mar 17, 2014