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Julia Elaine
She's a happy woman from Waspam and the single mother of two adult children who are in college. The oldest one studies sociology at a university in the town of Puerto Cabezas; the younger one, 20, studies at a university in Managua.

She wants to improve her wood house on stilts, so she's requesting her second loan to buy construction materials (poles, nails, wood, and metal sheeting) and cover the labor costs.

Her dream is to finish building her house and keep on helping her children complete their studies.
View original language description ↓
Es una señora alegre, originaria de Waspam, madre soltera de 2 hijos, mayores de edad que estudian su carrera universitaria, la mayor estudia sociologia en una universidad del municipio de Puerto Cabezas y el menor de 20 años estudia su carrera universitaria en una universidad de Managua. Con el objetivo de construir mejorar su vivienda de tambo de madera, solicita su segundo financiamiento, para comprar materiales de construcción: poste, clavos, madera, zinc y cubrir los costos de mano de obra. Su sueño es terminar de construir su vivienda y seguir ayudando a sus hijos a que culmine sus estudios.

Additional Information

About Pana Pana

Pana Pana is a nonprofit civil association founded in 1990 in Nicaragua. The organization’s official name is Asociacion para el Desarrollo de la Costa Atlantica (Association for the Development of the Atlantic Coast) but they have always been know as Pana Pana which means “mutual help” in the local language.

Pana Pana offers loans for commerce, housing, and a small number of agriculture loans. They also have a small social development unit that runs Pana Pana’s non-financial services. This includes technical assistance for housing loans and the development of a water and sanitation project.

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
  • 73
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 25.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Julia Elaine to buy construction supplies and to cover the labor costs.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 21, 2014
Jun 21, 2014
Currency Exchange Loss:
Apr 23, 2015