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Alberto Hegel L
Alberto, who is 30 years old, works as a teller in a bank. He is married and has one child who he watches to assure his proper development. Alberto is studying for a postgraduate degree in financial planning, and he is being supported by his parents in order to finish his studies. It is for this reason that he is asking for a loan to pay for his certification course, since obtaining this title would make him able to get a promotion at his job. This would allow him to improve his family's lifestyle.
View original language description ↓
Alberto, de 30 años de edad, trabaja como cajero en un banco, es casado tiene un hijo por quien velar para garantizarle su desarrollo, Alberto está estudiando un postgrado en gerencia financiera está siendo apoyado por sus padres para lograr culminar sus estudios, es por eso que solicita el crédito para pagar el curso de titulación ya que obteniendo dicho título podrá aspirar a un asenso en su centro de trabajo, lo que le permitirá mejorar sus condiciones de vida con su familia.

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
  • 63
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,450 helped Alberto Hegel L to pay for a certification course.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Apr 30, 2013
May 13, 2013
Currency Exchange Loss:
Jul 17, 2014