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Noel Perpetuo
Mr. Noel Perpetuo Ramirez Salgado has been with Ceprodel-El Sauce for the past 5 years. He is the principal holder of the loans. He has 4 children in his care. Two are in school and the other two are work with him on his land. This is his 5th loan and they have all been invested in cattle livestock. He has a land that is 87 hectares in size and he uses to support his dairy cattle, beef cattle, and he also uses it for agriculture. He is a farmer and an agriculturist. He invested with the objective of purchasing 6 calves to raise in order to increase his source of income and to improve his business. This way he will be able to increase his income and he will be able to provide for his family's needs.
View original language description ↓
El señor Noel Perpetuo Ramírez Salgado tiene 5 años de estar laborando Con CEPRODEL-El sauce, como Deudor Principal de dichos créditos otorgado, cuenta con 4 hijos bajo su cargo 2 estudian y los otros dos trabajan en conjunto en su finca, es su crédito numero 5 lo cuales todo han sido invertido en la ganadería.
Cuenta con una propiedad de 87 MZ propia de terreno, donde la desarrolla para la explotación ganado lechero, novillo de engorde y agricultura.
Se dedica a la actividad de agricultura y ganadería la inversión la realizo con el objetivo de comprar 6 novillos para el desarrollo con el propósito de tener una mayor fuente de ingresos y mejorar su trabajo, para así obtener mejores ingresos y abastecer las necesidades de su familia.

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
  • 70
    View loans »
    Nicaragua Loans Fundraising
  • $25,049,000
    Funds lent in using Kiva
  • 22.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Noel Perpetuo to purchase calves to raise.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Apr 13, 2011
May 18, 2011
Currency Exchange Loss:
Apr 21, 2012