Update on Damaris NohemiDamaris, 25, has worked for the Ministry of Education as a teaching assessor; she’s demonstrated responsibility and love for her daily work. She’s a young hardworking, enterprising woman and her husband is a merchant who also works as a driver. They are both very hardworking and united because they share household expenses and loan obligations.
She’s asking for a loan to pay her graduation and professional title costs for her Bachelor’s in English at Martín Lutero University. Her dream is to complete her university training to then study a postgraduate course to increase her level of professionalism as long as she has her husband’s help who always supports her.
It’s worth mentioning that Damaris had a previous Kiva loan to build a room onto her house and she is very grateful for the opportunity they always give to people of scarce resources because it’s only with the loans that they can improve their living conditions and improve so that their families can have the basics at home.
Solicita financiamiento para pagar curso de titulaciòn y pago del titulo de la carrera Licenciatura en Ingles. Su sueño es culminar sus estudios universitarios para despues estudiar un post grado y asi ir profesionalizandose, siempre y cuando cuente con la ayuda de su esposo el cual siempre le apoya.
Cabe señalar que Damaris anteriormente fue beneficiada con kiva para la construccion de una habitacion en su casa por lo que les esta muy agradecida por la oportunidad que siempre brindan a las personas de escasos recursos, pues solo con los creditos es que podemos mejorar nuestras condiciones de vida y superarnos para que a nuestra familia tenga lo basico en la casa.
Previous Loan DetailsDamaris Nohemi hopes to receive her second loan from Kiva in order to build a room. She works as a technician in the Ministry of Education. The room is urgently needed to improve the living conditions of her nuclear family. AFODENIC offers low interest, and the loan policies make loans accessi... More from Damaris Nohemi's previous loan »
About AFODENICThis 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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Success!! The loan was 100% repaid