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The young woman Damaris, who is 18 years old, works 40 hours a week as a medical assistant in a clinic. She is studying for a degree in public accounting. She is applying for the loan to be able to pay the final fees to certify her diploma. If this loan is not possible, it would affect her very much, since she does not have the money to pay her diploma fees and she would have to save and wait until the next year. She is interested in her profession because she will have better employment opportunities so that she can help her family. She wants to share that thanks to Kiva, she will succeed in finishing her program.
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La joven Damaris de 18 años de edad trabaja 40 horas semanales como asistente médico en una aclínica, estudia la carrera de licenciatura en contaduría pública. Solicita apoyo de crédito para poder pagar el curso de titulación de su carrera, de no ser posible este préstamo le afectaría mucho ya que no tiene el dinero para pagar el titulo, tendría que ahorrar y esperar hasta el próximo año, le interesa su profesión porque podrá obtener una mejor oportunidad de empleo para ayudar a su familia, lo que comparte es que gracias a KIVA ella va lograr culminar su carrera.

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
  • 76
    View loans »
    Nicaragua Loans Fundraising
  • $25,418,800
    Funds lent in using Kiva
  • 23.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Damaris to pay her diploma certification fees.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Aug 30, 2012
Sep 27, 2012
Currency Exchange Loss:
Apr 16, 2014