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Ruben dreams of becoming a public accountant. To achieve his goal, Ruben has enrolled in Unicon. He expects to graduate in December, 2014 but without a loan is unsure how he will be able to continue affording his education. He shares that his alternative would be to take time off from school to work and save money until he could return.

Ruben shares that it is important to him to graduate on time so he can enter into the job market as soon as possible. With a loan, Ruben plans on purchasing his much needed textbooks and school supplies. With the proper books, Ruben feels he will be able to study more effectively and earn better grades. With a degree in business he expects to earn $25 a day. With one older sibling, Ruben is unsure how he will be able to afford his tuition fees on his own without the assistance of a Vittana Loan. To help afford his school and living expenses, Ruben currently works 40 hours a week and earns $17 a day.

Additional Information

More information about this loan

This loan is admnistered by Vittana's partner Banco Fie

About Vittana

Vittana is a nonprofit that aims to provide access to education for millions of young people struggling to overcome poverty around the world. All Vittana loans are administered by local MFIs which are vetted and approved by Vittana staff. For a list of Vittana's MFI partners, please click here.

Vittana loans provide students with degrees and certificates that lead to higher paying jobs and sustainable livelihoods. Capital to fund Vittana loans comes from its crowdfunding website, investment funds and strategic partnerships. Today, more than 6,000 students in 12 countries have received a Vittana loan and are repaying at a rate of 99.8%. With the help of the Kiva community, Vittana is expanding its work and graduating a generation beyond poverty.


About Bolivia

  • $5,500
    Average annual income
  • 156
    View loans »
    Bolivia Loans Fundraising
  • $32,187,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,900 helped Ruben to pay for books.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 7, 2013
Sep 10, 2013
Currency Exchange Loss:
Jun 27, 2014