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Xiomara Teresa
"I am studying for my Bachelor of Business Administration" degree. In 5 or 10 years time, I see myself in my own business or company. My parents are my inspiration and motivation to keep moving forward in all my efforts and sacrifices because my siblings and I always studied. In addition to studying, I work at the university. For me, it is important to receive this student loan so I can get my degree because, although I have experience in various areas, because I haven't had a degree I've not been able to get a better position or salary."
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"Estudio Licenciatura en Administración de Empresas, en 5 o 10 años me veo en mi negocio o empresa. Con mi título se me abrirán más oportunidades de trabajo y ganaré más experiencia en mi área. Mis padres son mi inspiración y motivación para seguir adelante por todos mis esfuerzos y scarificios para que mis hermanos y yo siempre tuviéramos estudios. Yo además de estudiar, trabajo en la universidad, para mí es importante recibir este préstamo estudiantil para poder obtener mi título ya que tengo experiencia en distintas áreas pero por no poder obtener título no he podido optar por un mejor puesto o salario."

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,406,150
    Funds lent in using Kiva
  • 22.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Xiomara Teresa to pay for her degree course.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Aug 18, 2011
Aug 29, 2011
Currency Exchange Loss:
Apr 18, 2013