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Xiomara
Xiomara is married and has two children. She is a school teacher and gives Spanish classes 8 hours a day. She started working when she was 17 years old.

Xiomara is studying education at the undergraduate level and has reached her last year of the major with the help of her family. She is requesting this loan for her university education costs. She would be greatly affected without this loan because her diploma will position her for a higher-paying job. She will be able to move forward rather than waiting longer to receive her diploma.

Teaching interests Xiomara because it will also allow her to work within a foundation for a soup kitchen in the community.

The message that Xiomara shares with people in other parts of the world is that opportunities are right in front of us, we just need to take on the challenges. The word "no" is not a defeat, but rather a challenge to overcome.
View original language description ↓
La señora Xiomara tiene dos hijos, es casada, es docente en una escuela en donde imparte clases de español 8 horas diarias en una escuela, empezó a trabajar a la edad de 17 años, estudia la cerrera de licenciatura en pedagogía ha logrado llegar a su ultimo año de la carrera con la ayuda de su familia, está solicitando el crédito para el pago del seminario de grado en pedagogía realizado en una universidad. Si no hubiese tenido acceso a este crédito, le afectaría mucho ya que con su titulo en mano le espera un puesto de trabajo donde sus ingresos aumentaría y podría seguir adelante y tendría que esperar más tiempo para obtener su titulo. Le interesa mucho su profesión por que le serviría también para trabajar dentro de una fundación de un comedor infantil en una comunidad. El mensaje que comparte con personas en otras partes del mundo es que las oportunidades están frente a nosotros solo basta tomar el reto y que la palabra “no” no sea una derrota si no un reto para seguir adelante.

Additional Information

About AFODENIC

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

  • $3,636
    Average annual income
  • 163
    View loans »
    Nicaragua Loans Fundraising
  • $23,195,750
    Funds lent in using Kiva
  • 23.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Xiomara to pay for her university education.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 16, 2012
Listed
Aug 29, 2012
Currency Exchange Loss:
Possible
Ended:
Apr 16, 2014