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Manuel Salvador
Young Manuel is 22 years old and works as an accountant. He started working at the age of 18, which has allowed him to accumulate work experience. He's currently studying for a career in computer engineering and uses his salary to pay for his studies. However, the time to validate his diploma is approaching, and he has to pay for that in order to obtain his professional degree. His earnings are not enough to cover these costs all at once, and that's why Manuel request the help of a loan for this purpose. That way he could apply for a better job and support his family. He gives thanks to Kiva and Afodenic for making it possible for him to achieve his dream of completing his higher education.
View original language description ↓
El joven Manuel, de 22 años de edad labora como contador, el empezó a trabajar desde los 18 lo que le ha permitido obtener experiencia laboral, actualmente está estudiando la carrera de ingeniería en computación y con su salario paga sus estudios, pero ya se aproxima el curso de titulación al que tiene que ingresar para poder obtener su título profesional y sus ingresos no le ayudan para cubrir este gasto de un solo pago, es por eso que Manuel solicita el apoyo de crédito para tal fin y así podría aplicar para un mejor empleo y ayudar a su familia, agradece a Kiva y Afodenic por hacer posible su sueño de terminar sus estudios superiores.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Manuel Salvador to pay for the fees needed to validate his diploma.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 10, 2013
Apr 17, 2013
Currency Exchange Loss:
Apr 17, 2015