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Johany Del Carmen
Young Johany is 26 years old and single. He currently works at a restaurant serving customers, but his monthly salary is not enough to pay for school, food, and daily transportation. Fortunately, his parents help him pay for college, but Johany is requesting a loan in order to pay for his final course and earn his degree, because part of his dream is to become a professional so that he can use the knowledge he has acquired to help others. It will also allow him to access a better job.
View original language description ↓
El joven Johany tiene 26 años de edad, es soltero, actualmente labora en un restaurante en atención al cliente, su salario mensual no es lo suficiente para pagar sus estudios con costo cubre su alimentación y transporte diario, afortunadamente cuenta con el apoyo de sus padres para pagar sus estudios universitario, es por eso que Johany solicita apoyo de crédito para poder pagar su curso de titulación ya que es parte de su sueño el brindar ayuda a los demás con sus conocimientos adquiridos siendo un profesional y también aspiraría a un mejor puesto de trabajo.

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
  • 60
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Johany Del Carmen to pay for his final course and earn his degree.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Nov 17, 2012
Nov 26, 2012
Currency Exchange Loss:
Jul 17, 2014