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Karin Javier

Update on Karin Javier

Karin is 24 years old and works in control for a private company. He is a young, single man who wants to prepare himself to be competitive in his field, aspiring to a better position at work. He is currently doing post graduate study in Financial Management. Persistence is his principal strategy for achieving his goal. He is requesting the loan to be able to pay for the course because he is a young man of limited economic resources striving to better himself in life and to offer his family a future.
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Karin, tiene 24 años de edad, trabaja en una empresa privada como responsable de control, es un joven soltero que desea prepararse para ser competitivo en su ámbito laboral y profesional, así aspirar a un mejor puesto laboral, actualmente estudia un postgrado en Gestión Financiera, quien utilizara como estrategia principal el ser persistente para llegar a su meta. Solicita el crédito para poder pagar el curso ya que es un joven de escasos recursos económicos que lucha a diario para superarse en la vida y brindar a su familia un buen futuro.

Previous Loan Details

Karin, 23 years old, is an industrial engineer already. At the moment he is working in this profession. However, his greatest wish is to complete his postgraduate studies in project management. This is very important for his professional and personal development. That is why he is asking for... More from Karin Javier's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Nicaragua

  • $4,800
    Average annual income
  • 133
    View loans »
    Nicaragua Loans Fundraising
  • $24,574,825
    Funds lent in using Kiva
  • 25.9
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,600 helped Karin Javier to pay for a post-graduate course.
73% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Mar 21, 2014
Apr 17, 2014
Currency Exchange Loss: