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Norma Carolina
Norma is 34 years old and married, with 2 daughters. She is requesting a loan to study for a doctorate in Education, with a specialty in Pedagogical Mediation. She currently works in the master's and postgraduate department of a university in the country. With this doctorate, Norma intends to specialize in tools which can contribute to improving the educational system in Nicaragua, since there is currently a lack of specialists in this area. Her goal is to support education in low-income communities.
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Norma,tiene 34 años de edad, es casada y tiene 2 hijas. Solicita crédito para estudiar un doctorado en Educación con especialidad en Mediación pedagógica. Actualmente labora en el departamento de postgrados y maestrías de una universidad del país. Con este doctorado Norma pretende especializarse en herramientas que contribuyan a mejorar el sistema educativo de Nicaragua, puesto que actualmente carecemos de especialistas en esta materia.Su objetivo es apoyar la educación en poblaciones de escasos recursos.

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
  • 129
    View loans »
    Nicaragua Loans Fundraising
  • $24,535,925
    Funds lent in using Kiva
  • 25.3
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $2,475 helped Norma Carolina to pay for her doctoral program.
58% repaid
Repayment Term
39 months (Additional Information)
Repayment Schedule
Aug 14, 2013
Sep 3, 2013
Currency Exchange Loss: