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Jhony Javier
Jhony is a young man who is married and does not yet have children. He works in a hotel, looking after the customers. His wages help him to pay for his studies toward a psychology degree. Jhony is a young man with a great desire to overcome problems and to finish his classes and to enter into the official degree program, which has a fee that he only has to pay once but that he can't cover with his salary. This is why he is requesting a loan to pay for the degree program and help him to develop, little by little, in his professional knowledge which will help him to gain better employment and help his family.
View original language description ↓
Jhony, es un joven casado no tiene hijos aun, trabaja en un hotel desempeñando el cargo de atención al cliente, con sus ingresos se ayuda a pagar sus estudios, la carrera de licenciatura en Psicología, Jhony es un joven con muchos deseos de superación está por concluir sus clases y entrar al curso de titulación lo que tiene que pagar de una sola vez y su salario no le permite realizar dicho costo; es por eso que solicita el crédito para pagar el curso de titulación e irse desarrollando poco a poco con sus conocimientos profesionales, lo que le permitirá aspirar a un mejor empleo para ayudar a 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
  • 44
    View loans »
    Nicaragua Loans Fundraising
  • $26,295,350
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Jhony Javier to pay for his degree course.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
May 31, 2013
Jun 16, 2013
Currency Exchange Loss:
Apr 17, 2015