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Delma Eugenia
View original language description ↓
Delma Eugenia is a home maker, a loving wife and mother, and an owner of her own business. Their marriage has given Delma and her husband three children, who they have worked to help progress. Two of the children are of school age, and the oldest helps out in the business.

Approximatly four years ago Delma had to leave behind her life of working only as a housewife, and open a business in the Isreal Lewites market in the city of Managua. It was not easy for her in the beginning, as she hadn't yet learned to deal in plastics. Nevertheless, she took the risk for the well being of her family. She began with $800 in capital. Her location is not very well placed, as she must take her products out to display them.

She came up with the idea of opening her business as the need arose to pay bills and to pay for things that her husband's small salary didn't cover. Currently, Delma sells about $80.00 in product per day. Thanks to CEPRODEL, she has been able to improve the infrastructure of her location, and purchase more merchandise. She has been working with CEPRODEL for 2 years, and has a history of 9 loans.

Translated from Spanish by James Comstock, Kiva volunteer.

Delma Eugenia es propietaria de su negocio, ama de casa, madre incondicional y esposa dedicada. Tienen tres hijos fruto de su matrimonio a los que en conjunto con su esposo han tratado de sacar adelante. Dos de sus hijos están en edad escolar y el mayor le ayuda en el local.

Hace cuatro años aproximadamente Delma tuvo que abandonar la vida únicamente de ama de casa e iniciar su negocio en el mercado Israel Lewites de la ciudad de Managua. El inicio de su negocio no fue facil pues como todo comienzo ella no manejaba muy bien el asunto de los plásticos, sin embargo aun así se arriesgo por el bienestar de su familia.Comenzó con un capital de U$800.00. Su local no esta muy bien ubicado ya que para exhibir su producto tiene que sacarlo.

La idea de poner su negocio surge debido a la necesidad de sufragar gastos y cubrir necesidades que el salario devengado por su esposo no cubría. Hoy en día Delma vende aproximadamente U$80.00 diarios, gracias a CEPRODEL ha podido ampliar la infraestructura de su local y comprar más mercadería. Tiene 2 años de trabajar con CEPRODEL con un récord de 9 creditos.

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
  • 67
    View loans »
    Nicaragua Loans Fundraising
  • $25,102,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Delma Eugenia purchase of Merchandise.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Dec 9, 2007
Nov 25, 2007
Currency Exchange Loss:
Jun 10, 2008