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Bernin Anibal
Bernin is a 23-year-old youth, with a keen desire to better himself to support his family. He is single and works as a machine operator, but with a very low salary. He has not lost hope in finishing his studies in English with which he will be able to apply for a better job.

It is due to this restriction that Bernin is seeking a loan to pay for this course which is very important for his personal development.
View original language description ↓
Bernin es un joven de 23 años, con muchos deseos de superarse para apoyar a su familia, es soltero, trabaja como operador de maquina pero con un salario muy bajo, el no pierde la esperanza en culminar sus estudios de inglés con el que podrá optar para un mejor empleo, por esta limitante Bernin solicita apoyo de crédito para poder pagar este curso, que es muy importante para su desarrollo personal.

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

  • $3,636
    Average annual income
  • 63
    View loans »
    Nicaragua Loans Fundraising
  • $23,479,050
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,500 helped Bernin Anibal to pay for English lessons.
85% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Apr 16, 2013
May 12, 2013
Currency Exchange Loss: