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Concepcion De Maria
Concepcion yearns to work and be a good businesswoman. She is currently in her last year of studies to earn a degree in hotel and tourism business administration. She is 21 years old and her mother helps her with her university expenses. With a lot of hard work, Concepcion was able to scrape together the little bit of savings her mother gave her, and with the support of the loan she is requesting, she will be able to finish paying for the course she needs for her degree and achieve her goal of working in her profession.
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Concepción anhela trabajar y ser una buena profesional, en la actualidad cursa el último año de Lic. en administración de empresas turísticas y hoteleras, tiene 21 años de edad, su madre le apoya con sus gastos universitarios, Concepción con muchos esfuerzos logro reunir unos ahorritos que su madre le daba y con el apoyo de crédito que solicita podrá completar para pagar el curso de titulación, asi lograr ejercer su profesión.

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
  • 102
    View loans »
    Nicaragua Loans Fundraising
  • $24,739,175
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Concepcion De Maria to pay for the final course for her degree.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 24, 2013
Nov 1, 2013
Currency Exchange Loss:
Jun 17, 2015