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Ana Virginia

Update on Ana Virginia

Ana Virginia, 31, has a law degree and practices her profession independently. She rents a space and has set up a photo studio where she takes photographs, legalizes documents, scans texts, and binds books with her mother's help.

Ana's single and has no children yet. She's trying to find ways to improve her home. She's requesting this loan to buy the supplies to build an addition that she'll do in two stages.

This is the first stage, for which Ana needs to buy cinder blocks, cement, sand, and rebar, and pay for labor. This improvement will make her home more comfortable.
View original language description ↓
Ana Virginia, tiene 31 años de edad, es Lic. en derecho y ejerce su profesión por cuenta propia, alquila un local y ha puesto un foto estudio en donde toma fotos, hace legalizaciones de documentos, levantado de texto, encolochado, con el apoyo de su madre. Ana es soltera y no tiene hijos aun, busca la manera de mejorar su vivienda, solicita este crédito para poder comprar los materiales para construir un anexo que hará en dos etapas, siendo esta la primera, para dicho objetivo necesita comprar bloques, cemento, arena, hierro y pagar la mano de obra, esta mejora le permitirá mayor comodidad en su hogar.

Previous Loan Details

Ana has always had the ambition of completing her university degree. She hopes to practice her profession in the area of criminology, and contribute to the administration of justice in Nicaragua. She has always been determined to get what she wants, and has been very positive faced with her ... More from Ana Virginia'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
  • 83
    View loans »
    Nicaragua Loans Fundraising
  • $25,792,450
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Ana Virginia to buy construction supplies and to pay for labor.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Nov 18, 2013
Nov 30, 2013
Currency Exchange Loss:
Apr 17, 2015