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Norma Del Carmen
Norma del Carmen V. P. is married and has two school-aged children in her care. It is her duty to keep them in school. She has made her living through her own business in the city of Managua for 10 years. Since she started the business, doña Norma has been hard-working and efficient. Her business started in an area of the Israel Market. Thanks to her multiple efforts, she has maintained her business and her nuclear family since then. One of the needs that she comes across is an urgency to purchase products for her business, like sodas, juices, cakes and confections. This is the reason she turned to Ceprodel, for the benefit of the loan that allows her to purchase products from the purveyors to satisfy her customer's demand. Her only goal is to earn enough income to support her household and provide her children with an education. She has worked with Ceprodel for five loans, all of which were for her business.
View original language description ↓
Norma del Carmen V. P., es casada con dos hijos que están bajo su cargo en edad escolar al que tiene el deber de mantener en sus estudios. Se dedica a atender su propio negocio desde hace 10 años en la ciudad de Managua. Desde que inicio el negocio doña Norma se ha caracterizado por ser una persona esforzada y eficiente, ella inicio su negocio en un tramo del mercado Israel y desde entonces a mantenido su negocio y su núcleo familiar gracias a los múltiples esfuerzo. Una de las necesidades que atraviesa ella es la urgencia de comprar los productos de su negocio como lo son; de gaseosa, jugos, pasteles y repostería. Es por este motivo que acude a cerpodel para ser beneficiada con un crédito que le permita comprar productos a sus proveedores y así continuar comercializándolos para satisfacer las demanda de sus clientes con el único fin de obtener los ingresos para mantener su hogar continuar brindándole la educación a sus hijos. Ha trabajado cinco créditos con ceprodel todos para su negocio.

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
  • 101
    View loans »
    Nicaragua Loans Fundraising
  • $24,738,450
    Funds lent in using Kiva
  • 22.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Norma Del Carmen to purchase sodas, juices, cakes and confections.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 9, 2011
Listed
Apr 4, 2011
Currency Exchange Loss:
Covered
Ended:
Jan 17, 2012