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Ricardo requested the loan to pay for his final course in Civil Engineering. He hopes in future to improve his economic situation and become an exemplary professional in society. He hopes to develop projects to build Nicaragua. He wants to invest in his profession because he says it’s worthwhile to serve people above all to hone his knowledge in his career still more. The challenge for a professional is that things are done well always.
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Ricardo solicitó el préstamo para pagar el curso de finalización de estudios de la carerra de Ingeniería Civil. Espera en un futuro mejorar su situación económica, ser un profesional de ejemplo para la sociedad. Espera desarrollar proyectos, construir para Nicaragua. Quiere invertir en su profesión porque dice que vale la pena servir a la gente, y sobre todo afinar más el conocimento de su carrera. El desafío de un profesional es hacer que las cosas se hagan bien siempre.

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
  • 55
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 22.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Ricardo to pay tuition.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Nov 22, 2011
Dec 6, 2011
Currency Exchange Loss:
Jan 18, 2014