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Francisco Javier
Francisco Javier has three children and is married. He began working when he was 12 years old and is currently getting his degree in civil engineering. He has been able to cover his school costs until now with the monthly income from his job.

He is asking for a loan to pay for his degree because he is working in his own business. He is his own boss working as a technician processing aluminium and glass. Francisco says that finishing his degree is a very big effort and it will allow him to reach a professional level. It will benefit him by allowing him to be better in all aspects of his work.

What he shares with other people in the world is that as a Nicaraguan, it would be an honour to serve other people in need, by the grace of God.
View original language description ↓
Francisco Javier tiene tres hijos, es casado, empezó a trabajar a los 12 años de edad, estudia la carrera de ingeniería civil, ha logrado cubrir sus estudios hasta la fecha con los ingresos mensual de su trabajo, está solicitando el crédito para la cancelación del curso de titulación, actualmente trabaja en su propio negocio como técnico en proceso de aluminio y vidrio, siendo el mismo su jefe. Don francisco dice que la finalización de su titulo es un esfuerzo muy grande el alcanzar un nivel de profesión, se beneficiara por que le ayudara a servir mejor en todo en su trabajo. Lo que comparte con otras personas del mundo es que sería un orgullo como nicaragüense poder servirle a otras personas necesitadas, por gracia de Dios.

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
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,418,100
    Funds lent in using Kiva
  • 23.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Francisco Javier pago de curso de titulacion.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 8, 2012
Aug 31, 2012
Currency Exchange Loss:
Apr 18, 2013