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Noel Ernesto
Noel is asking for the loan to pay for the final course of study for his program in Hotel and Tourism Management. He will also take a specialization in Marketing Projects. Within a few years he has gone from directing a tour operation to bettering himself and being a professional of prestige. His family inspired him to do this in order to move them forward and to imitate his father, who has always been a hard-working man. This has been his greatest challenge, and he hopes to overcome it.
View original language description ↓
Noel solicita el crédito para pagar el curso de finalización de estudios de su carrera de Administración Turística y Hotelera, así mismo también cursará un Especialización en Pryectos de Marketing. Dentro de algunos años se ve dirigiendo una tour operadora, superarse y ser un profesional de prestigio. Le inpsira a hacer ésto su familia, para sacarla adelante e imitar a su padre que ha sido siempre un hombre trabajador. Este ha sido su mayor desafío y espera poder superarlo.

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
  • 93
    View loans »
    Nicaragua Loans Fundraising
  • $24,769,675
    Funds lent in using Kiva
  • 23.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Noel Ernesto to pay for degree expenses.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Feb 24, 2012
Mar 19, 2012
Currency Exchange Loss:
Apr 16, 2014