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Ramona Hercilia
Ramona B. works as a janitor for a company in the capital city of Managua. She does this to bring home support for the well being of her family.

Ramona has a small child who is in school. She needs to pay the enrollment fee to guarantee that her little one will be able to keep studying next year. That is why she is asking for this loan, to pay for his school enrollment. That way she will guarantee that her little one will continue his education to be able to become a professional.
View original language description ↓

En la ciudad de Managua, la señora Ramona B. se dedica a laborar como conserje en una empresa de la capital con el fin de llevar a su casa de habitación el sustento para el bienestar de su familia.

La señora Ramona tiene un pequeño hijo que está estudiando y requiere invertir en el pago de la matricula para garantizar que el próximo año su pequeño siga estudiando y es por este motivo que ella solicitó el crédito para pagar la matrícula del colegio y así garantizar que su pequeño continúe estudiando para llagar a ser un profesional.

Additional Information


This loan is administered by Centro de Promocion del Desarrollo Local (CEPRODEL), one of Kiva’s larger partners in Central America. Founded in 1991 and based in Managua, Nicaragua, CEPRODEL specializes in the development and funding of housing cooperatives for traditionally marginalized communities, the provision of microfinance services to small businesses, and the promotion of innovative renewable energy projects. In addition, unlike many microfinance institutions in the area that have chosen to avoid the rural areas of the country due to the increased financial risk, CEPRODEL provides financial services to numerous clients in the agriculture and livestock industry. Supporting a borrower through CEPRODEL means contributing to the promotion and sustainability of this important work in Nicaragua.

About Nicaragua

  • $4,800
    Average annual income
  • 72
    View loans »
    Nicaragua Loans Fundraising
  • $25,073,225
    Funds lent in using Kiva
  • 20.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Ramona Hercilia pay school enrollment fee for her son.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Oct 26, 2009
Nov 13, 2009
Currency Exchange Loss:
Feb 15, 2011