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Update on Maricela

Maricela, age 35, lives in an urban area in the Nueva Guinea municipality. She is a very hard-working woman. Being a single mother has not impeded her from fulfilling her professional desires. She currently works at a private school, and her charge is being responsible for the students’ well-being. This has allowed her to educate her seven year old son.

Maricela wishes to start an English course. This will allow her to rise to another position at her work and to be eligible for a better salary. She is requesting the loan to pay for the eight course levels and to buy course materials, which are essential.
View original language description ↓
Maricela tiene 34 años de edad y habita en la zona urbana del municipio de Nueva Guinea es una mujer muy trabajadora y a pesar que es madre soltera, esto no ha impedido que cumpla sus deseos profesionales. Actualmente labora en un colegio privado, desempeñando el cargo de responsable de bienestar estudiantil, esto le ha permitido educar a su hijo de 7 años de edad. Marcela quiere iniciar un curso de ingles, el que le accederá escalar otro puesto en su trabajo y optar a un mejor salario. Ella solicita el crédito para el pago de los 8 niveles del curso y la compra de material didáctico que es imprescindible.

Previous Loan Details

Maricela, 30, is single. She has worked for the URRACAN University, in the Student Welfare department, for 6 years. She has a 6-year-old son, who has just completed pre-school. She lives in her parents' house because this facilitates child care, but has her own house. She is currenty... More from Maricela'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
  • 134
    View loans »
    Nicaragua Loans Fundraising
  • $24,576,775
    Funds lent in using Kiva
  • 25.9
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,550 helped Maricela to pay for the eight course levels and to buy course materials, which are essential.
62% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 8, 2014
Apr 17, 2014
Currency Exchange Loss: