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Maria Ismelda
María Ismelda B. V. is a farmer and merchant in the rural zone of Pueblo Nuevo.

She is asking Ceprodel for funds to buy corn to store and then sell in Summer when prices are higher and the grain is scarcer.

The business began when María B. began to buy small amounts of grain during harvest time and then sell it during times of shortage; each time she bought more grain and has been doing this work for about 15 years now. It is worth noting that in the years prior to this she was in secondary school.

She hopes that by buying and storing these grains she will be able to sell them for a better price at a time when the grain is scarce. This will generate better profits and thus better family income; she hopes that her business will grow more each time.

This is her 8th loan with Ceprodel in a period of 5 years. These loans have been beneficial to her because she has been able to care for her crops and insure a good harvest for the support of her family.
View original language description ↓
La Sra. María Ismelda B. V. es agricultora y comerciante del área rural del Municipio de Pueblo Nuevo.

Ella solita un financiamiento en Ceprodel para la compra de granos tales como el maíz y retenerlo para venderlo en tiempo de verano donde los precios de este son mas altos y el grano es mas escaso.

Este negocio empezó cando María B. empezó a comprar granos en poca cantidad en época de cosecha y venderlo en tiempo de escases hasta comprar cada ves mas granos, ella se a dedicado a esta labor desde hace aproximadamente unos quince años, cabe señalar que en años anteriores ella era estudiante de secundaria.

Ella espera que con la compra y retención de estos granos pueda venderlos en mejor precio cuando sea el tiempo de escases y esto le generara mejores ganancias y por ende mejores ingresos familiares y de esta manera espera que su negocio crezca cada ves mas.

Este es el crédito numero ocho que Doña María B. solicita en Ceprodel en un periodo de cinco años. Estos financierito le han beneficiado positivamente ya que a través de esto a logrado asistir sus cultivos de granos básicos y tener segura la cosecha para es sustento de su familia.

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

  • $3,636
    Average annual income
  • 180
    View loans »
    Nicaragua Loans Fundraising
  • $23,196,575
    Funds lent in using Kiva
  • 20.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Maria Ismelda to buy corn.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Feb 25, 2010
Listed
Apr 1, 2010
Currency Exchange Loss:
Covered
Ended:
Oct 19, 2010