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Sandra Maria
Sandra María’s studying for a Bachelor’s in Pharmacy and is in her last years of coursework. The loan she asked for will be to pay for her final course modules and graduate. She currently works in a pharmacy. She wants to teach pharmacy. She considers herself to be a fortunate person for having the opportunity to study a career she likes. The knowledge she’s acquired both through her studies and at work makes her a person capable of unfolding in this career.
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Sandra María está estudiando Licenciatura en Farmacia y está en el último año de su carrera, el crédito solicitado será para pagar los módulos para graduarse. Actualmente trabaja en una farmacia. Ella quiere ser docente de la carrera de farmacia, se considera una persona afortunada por poder tener la oportunidad de estudiar una carrera que a ella le gusta. Los conocimientos que ha adquirido tanto en los estudios como en el trabajo, le hacen una persona capaz de desarrollar esta carrera.

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
  • 85
    View loans »
    Nicaragua Loans Fundraising
  • $25,792,450
    Funds lent in using Kiva
  • 22.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Sandra Maria to pay for her final course modules.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Oct 25, 2011
Nov 9, 2011
Currency Exchange Loss:
Dec 17, 2013