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Tulio Alberto
Tulio Alberto A. M. works in the Catholic Agricultural University of Trópico Seco (UCATSE). He is in charge of the livestock. He takes care of them, and he keeps all of the current data about inventory and management of the herd in order. The loan is to buy school supplies and cover other personal expenses for his children. He will buy things like uniforms, shoes, and backpacks.

Tulio has been working for the university for over eight years, and he does a good job. He is from a community called El Pino, which is in the Estelí department. Before working for the university he was a farmer. He worked with his father for many years until he became independent. He is married and has three school-age children who are in primary school. He gives them lots of support so that they can go to school, and one day they will fill him with pride because that is one of his main goals.

Tulio says that he also helps his parents, and he will always be with them. This is his sixth loan, and he has demonstrated good payment capacity. He wants to keep working with Ceprodel for a long time. Ceprodel has helped him solve many problems, and he is very grateful.
View original language description ↓
El señor Tulio Alberto A. M. trabaja en la universidad católica agropecuaria del trópico seco (ucatse) como responsable de área en ganado bovino el cual se encarga de darle mantenimiento al ganado y mantener en orden todos los datos actuales que se dan sobre inventario y manejo del rebaño. El crédito se le otorgo para la compra útiles escolares de sus hijos y otros gastos personales como: compra de uniformes, zapato y mochilas.

Tulio tiene mas de 8 años de estar laborando para la universidad y se desempeña bien en el trabajo él es originario de una comunidad del departamento de Estelí llamada el pino. Antes de trabajar para la universidad él se dedicaba a la agricultura ya que trabajo con sus papá por muchos años hasta que se dependisó. Este señor es casado y tiene tres hijos en edad escolar en el nivel de primaria y apoya mucho a que ellos realicen sus estudios y puedan llenarlo de orgullo algún día siendo esta una de las principales metas.

Tulio expresa que también ayuda a sus padres y que siempre estará con ellos. Este es el sexto crédito que se le otorga y a demostrado una buena capacidad de pago plantea que desea seguir trabajando con ceprodel por mucho mas tiempo ya que se le a ayudado a solucionar muchos problemas el cual esta muy agradecido

Additional Information

About CEPRODEL

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
  • 130
    View loans »
    Nicaragua Loans Fundraising
  • $24,558,975
    Funds lent in using Kiva
  • 20.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Tulio Alberto buy school supplies and personal expenses for his children.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 19, 2010
Listed
Feb 12, 2010
Currency Exchange Loss:
Covered
Ended:
Feb 15, 2011