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Xiomara Del Carmen
Xiomara, 49, is a single mother of three children but only two are still dependent on her. She has worked daily for many years as a Project Follow-up Analyst in the city of Managua.

She visits Ceprodel’s office to ask for a loan that will be used for one of her son’s graduation costs.

She has moved her family ahead and is grateful to Ceprodel for providing financing because thanks to this loan her son will be able to have his graduation.
View original language description ↓
Xiomara tiene 49 años de edad es madre soltera de tres hijos pero solamente dos dependen de ella,trabaja como analista y seguimietos de proyectos diario en la ciudad de managua desde hace ya varios años.
ella visita las oficinas de ceprodel para solicitar un prestamo el cual sera utilizado para gastos de graduacion de uno de sus hijos.
ella a sacado adelante a su familia, y agradece a ceprodel por brindarle el financiamiento ya gracia a ese prestamo su hijo podra tener su graduacion.

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
  • 92
    View loans »
    Nicaragua Loans Fundraising
  • $24,769,675
    Funds lent in using Kiva
  • 22.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Xiomara Del Carmen to pay her son's graduation costs.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jul 29, 2011
Aug 6, 2011
Currency Exchange Loss:
Dec 22, 2012