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Julio Javier
Julio is 24 years old and studies law. He works as an assistant in a legal office. He has a lot of self-improvement plans and is now finishing his studies thanks to his hard work.

Julio is requesting a loan to pay for the formalization of his degree and for a post-graduate course. This will help him to perform better in his job and with time aspire to a higher position that gives him the opportunity to develop and prosper together with his family.
View original language description ↓
Julio tiene 24 años de edad, estudia la carrera de Lic. en derecho, labora como asistente en un despacho jurídico, tiene muchos deseos de superación personal, con esfuerzos está en la etapa final de su carrera. Solicita este crédito para el pago del curso de titulación de su carrera y un postgrado, esto le permitirá ejercer mejor su trabajo y con el tiempo aspirar a un mejor puesto laboral que le permita desarrollarse y prosperar junto a su familia.

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
  • 120
    View loans »
    Nicaragua Loans Fundraising
  • $24,405,100
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,800 helped Julio Javier to pay for the formalization of his degree and for a post-graduate course.
80% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Sep 23, 2013
Sep 27, 2013
Currency Exchange Loss: