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Emelda Yahoska
21 year-old university student Emelda is studying a four-year degree course in systems engineering. She is in her final year and her parents pay for her studies as she is not currently working. Her main goal is to finish her course and she is requesting a loan to pay her professional title fees so that she can graduate and look for a job. This would benefit her family as it would provide another source of income and would support the economic development of their household.
View original language description ↓
La joven universitaria Emelda de 21 años estudia la carrera de ingeniería de sistemas con cuatro años de duración quien ya está cursando su último año, le ayudan sus padres quienes pagan sus estudios ya que ella actualmente no está trabajando, pero su objetivo principal es culminar su profesión por eso ella solicita apoyo de crédito para pagar el curso de titulación para finalizarlo y así poder buscar empleo lo que beneficiaria a la familia ya que sería otra fuente de ingreso y eso ayudaría al desarrollo económico de su hogar.

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
  • 45
    View loans »
    Nicaragua Loans Fundraising
  • $26,238,100
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Emelda Yahoska to pay her professional title fees.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jan 24, 2013
Feb 6, 2013
Currency Exchange Loss:
Sep 17, 2014