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Josefa De Jesus
View original language description ↓
Josefa has had this business for 5 years. She invested her savings to open this business along with the inheritance that her mother left her. Before having her own business, she worked for a woman selling on a stretch of the Terminal-León market.

Little by little she has managed to provide maintenance for the infrastructure of her location. She constructed it with wood and concrete, but she still needs to finish building it. She is a single mother with 4 kids under her care. The four kids are studying in elementary school, and this fills her with happiness because she knows that thanks to her business, they will be able to get ahead.

She has had approximately 20 credits with CEPRODEL, and she is very thankful for the confidence they have in her to receive these loans, since they let her make favorable purchases and sell them at a good price.

Translated from Spanish by Tanya Harper, Kiva volunteer

Doña Josefa tiene 5 años de trabajar con este negocio, invirtió sus ahorros para abrir este negocio mas la herencia que le dejó su mamá. Antes de tener negocio propio era empleada por una señora para vender en un tramo del mercado la Terminal-León.

Poco a poco ha dado mantenimiento a la infraestructura de su módulo, de no tener nada ha logrado construirlo con Madera y concreto pero le falta terminar de construirlo. Ella es madre soltera con 4 hijos a su cargo, los cuatro niños estan estudiando la primaria y esto la llena de alegria porque sabe que gracias a su negocio...ellos han logrado salir adelante.

Manejó aproximadamente 20 créditos con CEPRODEL y se encuentra muy agradecida por la confianza que le han brindado para recibir estos préstamos, ya que con ellos logra hacer compras mas favorables y venderlas a un buen precio.

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
  • 66
    View loans »
    Nicaragua Loans Fundraising
  • $25,079,250
    Funds lent in using Kiva
  • 18.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Josefa De Jesus fruit and vegetable sales.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Dec 7, 2007
Nov 22, 2007
Currency Exchange Loss:
Apr 7, 2008