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David Rafael
David is 24 years old. He is a humble young man with a desire to succeed. He is from the capital city of Managua, unmarried, and studies at the university. His mother, who is both father and mother to him, helps him with his studies. David is completing his fifth and final year of a law degree. He tells us that he chose this degree because he enjoys it. In addition, it will give him the opportunity to get ahead because it will help him obtain a higher professional position. He works on the police force and in this way, helps society.

He wishes to use the loan to pay for his courses and be able to graduate with a law degree. He feels that this will help him obtain better positions within the institution. He also says that after graduating, he wishes to continue studying for another degree in psychology because this closely relates to his work. This is one of the goals he wants to achieve and in this way, be able to put all the knowledge he acquired in college into practice. David says that this loan will give him the opportunity of realizing one of his greatest dreams, graduating and being able to get him and his mother ahead.
View original language description ↓
David un humilde joven con deseo de superación, de 24 años de edad, originario de la capital de Managua, soltero, se dedica a estudiar en la universidad, su mama es padre y madre al mismo tiempo, la cual le ayuda en sus estudios. David está culminando su último quinto año de la carrera de Derecho, él nos cuenta que escogió esta carrera porque le gusta y además le da la oportunidad de salir adelante, ya que le ayuda a tener un cargo más alto como profesional él trabaja dando su servicio de policía y de esta manera ayuda a la sociedad.
Él quiere utilizar el crédito para pagar su curso de titulación y poder graduarse de la carrera de Derecho. Ya que el estima que le ayudaría a obtener mejores cargos dentro de la institución, aunque él dice que quiere seguir estudiando después de graduarse otra carrera de psicología porque tiene mucha relación con su trabajo, que es uno de los planes a realizar y de esta manera poner en práctica todos los conocimientos adquiridos en la universidad. David dice que este crédito le brindara la oportunidad de ver realizado uno de su más grande sueño como es graduarse y poder salir adelante con su mama.

Additional Information

More information about this loan

This loan is part of MiCredito’s higher education program, Educredit, which offers financing for tuition and educational supplies to everyone from high school students to graduate students. Without this support, it is unlikely these students would otherwise be able to afford their studies. MiCredito provides these loans at a lower interest rate than typical business or consumer loans and offers students flexible repayment plans. 

About Nicaragua

  • $4,800
    Average annual income
  • 38
    View loans »
    Nicaragua Loans Fundraising
  • $26,391,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped David Rafael to pay for his college degree courses.
100% repaid
Repayment Term
39 months (Additional Information)
Repayment Schedule
Dec 28, 2012
Jan 17, 2013
Currency Exchange Loss:
Oct 17, 2015