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Amparo Justina

Update on Amparo Justina

Amparo is a woman who has had eight children. Giving them food, an education, and a lots of other life essentials has not been easy at all. However, as a hard-worker, and with help from her husband, she has managed to get ahead. Now almost all of them are independent. Only two are still adolescents and under her care. Her way of earning a living continues to be a small grocery store.

She is looking for a way to improve her homes conditions. That is why she is requesting her fourth loan to repair the roof and continue building a room she has already started. With this loan she hopes to be able to advance as much as she can. The room needs walls and windows, among other things.
View original language description ↓
Doña Amparo, una señora que ha procreado 8 hijos, lo cual no ha sido nada fácil darles la alimentación, educación y muchas otras cosas primordiales en la vida, pero como es trabajadora y con la ayuda de su esposo ha logrado salir adelante, hoy en día casi todos son independientes a excepción de dos que todavía son adolecentes y están a su cargo, su medio de ganarse la vida continua siendo una pequeña pulpería, ella busca como mejorar las condiciones de su hogar por lo que solicita este 4to crédito para reparar techo y continuar la construcción de un cuarto que ya había empezado y espera con este financiamiento poder avanzar lo más que pueda ya que le hacen falta paredes ventanas entre otros.

Previous Loan Details

Amparo is a determined woman. She was a merchant who sold tortillas and Nicaraguan tamales. Due to failing health, she decided to change businesses and now her main source of income is a grocery store that she opened in her home approximately a year ago. Her husband works as an accountant for ... More from Amparo Justina'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
  • 66
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,425 helped Amparo Justina to buy construction materials.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
May 15, 2013
May 22, 2013
Currency Exchange Loss:
Jan 17, 2015