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Zenelia Del Carmen
Zenelia is 31 years old and single. She is studying for a degree in Public Accounting and Finance. Zenelia works as an assistant bookkeeper at a private business. Her salary helps with her university expenses, but it is not enough to pay for a course that is required for her degree, which she is close to completing. Therefore, Zenelia is requesting a loan to pay for this course since it is very important for her future.

With a degree in hand, she will have the opportunity to earn a decent and fair salary.

View original language description ↓
Zenelia tiene 31 años de edad, es soltera estudiante de la carrera de contaduría pública y finanzas, está trabajando como auxiliar contable en una empresa privada, con su salario se ayuda para los gastos de universidad, pero no le es suficiente como para pagar el curso de titulación, lo cual ya se acerca para finalizar su carrera. Para este fin solicita el crédito para pagar este curso tan importante para el futuro de Zenelia, ya que con titulo en mano podrá tener la oportunidad de devengar un salario digno y justo.

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
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,770,775
    Funds lent in using Kiva
  • 25.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Zenelia Del Carmen to pay for a required course for her degree.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jun 15, 2013
Jul 14, 2013
Currency Exchange Loss:
Mar 17, 2014