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Ornela Del Carmen
Doña Ornelia is 38 years old, married, and has a young child. Her job involves transporting kids to school, so she must wake up extremely early in order to begin her work. She is also studying for a law degree since she is greatly interested in pursuing a profession in which she can provide legal advice to her community. In addition, this would allow her to help out financially with her family’s income.

Ornelia is requesting a loan so that she can pay for a specialization course in Business Law.

View original language description ↓
Doña Ornelia, tiene 38 años de edad, es casada y tiene un hijo que esta pequeño, trabaja haciendo recorrido escolar a niños desde muy temprano se levanta para empezar su labor, estudia la carrera de de Lic. en Derecho, profesión que le interesa mucho ejercer para brindarle apoyo jurídico a la comunidad y también ayudar económicamente con sus ingresos a la familia. Ornelia solicita el crédito para poder pagar una especialización en Derecho con Mención Empresarial.

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
  • 51
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Ornela Del Carmen to pay for a specialization course.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Apr 16, 2013
Apr 26, 2013
Currency Exchange Loss:
Mar 17, 2014