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Maria Andrea
Andrea is 52 and single. She has been working in a state institution in the health field for more than 20 years. She is applying for this loan in order to pay for her final course for her bachelor's degree in pharmacy.

As an adult she decided to continue with her education because she wishes to achieve her dream of being a professional. But she will be able to achieve this only with the help, first and foremost of God, and of a Kiva loan through Afodenic. This is because her income is very low and does not allow her to make these expenditures in only one payment.
View original language description ↓
La señora Andrea, de 52 años de edad, es soltera trabaja para una institución estatal en salud desde hace mas de 20 años, solicita este crédito para realizar el pago del curso de titulación de la carrera de licenciatura en farmacia, siendo adulta decidió continuar con sus estudios porque desea lograr su sueño de ser una profesional lo cual lo podrá lograr solamente con la ayuda de financiamiento, primeramente Dios y el apoyo de Kiva atravez Afodenic, ya que sus ingresos son muy bajos y no le permite realizar estos gastos de un solo pago.

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
  • 38
    View loans »
    Nicaragua Loans Fundraising
  • $26,391,875
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Maria Andrea to pay for her final degree course.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 11, 2013
May 7, 2013
Currency Exchange Loss:
Oct 17, 2014