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Yaly Esperanza
Yaly is studying to be a lawyer, but she needs a loan to pay for her thesis course. She works and pays for her studies. Within a few years she sees herself having her own legal practice. She hopes to be able to improve both her and her family's quality of life. Her desire to learn and grow as a person is inspirational, and she wants her child to follow her example. She needs a loan because she has to achieve a goal, a dream, that she has waited for five years to attain.
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Yaly está estudiando para ser abogada, pero requiere de un crédito para pagar el curso de titulación. Ella trabaja y paga sus estudios. Dentro de algunos años se ve trabajando en su propio buffete, espera poder mejorar el nivel de vida de ella y su familia, para lograr mis metas me inspira las ganas que tiene de aprender y crecer como persona, y quiere que su hijo siga su ejemplo. Tiene la necesidad de recibir el préstamo porque tiene que cumplir una meta, un sueño, el cual he esperado cinco años conseguirlo.

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 Yaly Esperanza to finish her studies.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Aug 24, 2011
Sep 19, 2011
Currency Exchange Loss:
Oct 17, 2013