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Johana Del Carmen
Mrs. Johana del Carmen L. is 32 years old and lives in San José La Concepción, together with her husband and daughter. Her husband works as a security guard and supports the farm, while she works as a trader and at times works with the agriculture. Through her and her husband’s efforts, they have managed to establish a section of fruits and vegetables. The greatest difficulty she has had is a lack of financing. Her plans for the future are to have a great job to provide her young daughter, who is barely two years old, with a better living condition. She requests the amount of C$ 3000.00 córdobas to buy more fertilizer in order to improve her crop so that she can produce beautiful and rich fruit.
View original language description ↓
La señora Johana del Carmen L. tiene la edad de 32 años habita en San José La Concepción, junto a su esposo Y hija, el esposo trabaja como guarda de seguridad y le apoya con la finca, ella trabaja como comerciante y a la vez se dedica a la agricultura, con sus propios esfuerzos y de su esposo han logrado establecer un tramo de frutas y verduras. La mayor dificultad que ha tenido es la falta de financiamiento, sus planes para un futuro es llegar a tener un gran puesto de víveres para darle una mejor condición de vida a su pequeña hija que apenas tiene dos añitos de edad. Ella solicita la cantidad de C$ 3,000.00 córdobas para compra más fertilizante para mejorar el cultivo y así producir hermosos y ricos frutos.

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.

About Nicaragua

  • $4,800
    Average annual income
  • 61
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 19.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $175 helped Johana Del Carmen to purchase fertilizers and pesticides for farming.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Nov 25, 2008
Dec 4, 2008
Currency Exchange Loss:
Aug 15, 2009