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Karem De Los Angeles
Karem is 26 years old, and works as a maid in her sister's home. She is presently studying business administration, a program that takes five years to complete. Karem is in her final stage of her studies, and is requesting this loan in order to cover the costs of her final certification and graduation courses. Her current salary is very low, and she cannot afford to cover her study and graduation costs in one payment.

Karem's studies and career are very important to her, and she hopes that, with a better job as a result of her degree, she will be able to really help and support her family.
View original language description ↓
Karem de 26 años de edad, trabaja como conserje en casa de su hermana, con deseos de superación estudia la carrera de licenciatura en administración de empresas con cinco años de duración el cual ya está en la etapa final de su profesión por lo que ella solicita crédito para poder pagar el curso de graduación, su salario es muy bajo para ella poder cubrir con este gasto de un solo pago, ya que para ella es muy importante su profesión porque le gusta mucho la administración y con un mejor empleo tendría la oportunidad de ayudar a su familia.

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
  • 81
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Karem De Los Angeles to pay for her certification and graduation course.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Oct 22, 2012
Nov 7, 2012
Currency Exchange Loss:
Dec 17, 2014