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José Manuel
In a few years José Manuel will be an accountant for a prestigious company. "Without this job I would not be able to make my dream come true of having a better life and better salary to support my family." His family inspires him since they are the foundation to his life. He wants to be a good example for his children. Work labor is an obstacle he has to face since he has little time to study. He tries to work more during the weekdays to have Saturdays free.
View original language description ↓
Dentro de algunos años José Manuel se ve dirigiendo la contabilidad de una empresa de prestigio. Realizar su sueño de tener una vida mejor con mejor salario, apoyar a su familia; sin éste conocimiento me sería imposible realizarlo. Le inspira su familia ya que son la base de su vida, quiere herederar un buen ejemplo para sus hijos. La carga laboral es un desafío que tiene que enfrentar ya que cuenta con poco tiempo para estudiar. Trata de laborar más horas diarias para tener los sábado libres.

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
  • 69
    View loans »
    Nicaragua Loans Fundraising
  • $25,768,275
    Funds lent in using Kiva
  • 22.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped José Manuel get an Accounting Degree.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 27, 2011
Sep 19, 2011
Currency Exchange Loss:
Oct 16, 2012