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Perla Maria
Perla is a 23 year old young woman who is studying banking and finance. She receives support from her parents in order to continue her studies. She is still not working, and she is about to complete her studies.

However, the cost of paying for licensing and registration requirements is very high. That is why she is opting to request a loan in order to be able to cover this expense. This is very important for her personal development. With her credentials in hand, it will be much easier for her to move forward in looking for work. Also, she will have income to help her parents, who with so much effort have managed to take her to the finish line.
View original language description ↓
Perla, es una joven de 23 años de edad, que estudia la carrera de Banca y Finanzas, recibe el apoyo de sus padres para continuar sus estudios ya que en la actualidad no está laborando aun, está por finalizar sus estudios, pero el costo del curso de titulación es muy alto por lo que está optando a solicitar crédito para poder cubrir este gasto que es muy importante para su desarrollo personal ya que con titulo en mano le será más fácil desplazarse en busca de trabajo y con sus ingresos ayudar a sus padres, quienes con tanto esfuerzo han logrado llevarla hasta el final.

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
  • 85
    View loans »
    Nicaragua Loans Fundraising
  • $25,792,450
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Perla Maria to pay for licensing and registration.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
May 31, 2013
Jun 17, 2013
Currency Exchange Loss:
Dec 17, 2014