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Mr. Ermi works as a secondary school teacher. He is requesting this loan to invest it in his dissertation in Education Sciences. For various reasons, he has not been able to finish his university studies. He has been working since he was 13 years old, and his big dream for his life is to be able to finish his degree, so as to support his family as they are very poor.
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Don Ermi trabaja como docente de secundaria, está solicitando su crédito para invertirlo en su monografía en Ciencias de la Educación, por diferentes razones no ha podido culminar sus estudios universitarios. Trabaja desde hace 13 años, su mayor sueño en la vida es poder culminar su carrera para apoyar a su familia ya que son personas muy humildes.

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
  • 91
    View loans »
    Nicaragua Loans Fundraising
  • $25,011,000
    Funds lent in using Kiva
  • 22.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Ermi to pay for tutoring for his degree.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 20, 2011
Aug 29, 2011
Currency Exchange Loss:
Mar 15, 2013