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Julia Esperanza
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Julia C. sells seafood in the city of Chinandega for a living. She is a mother of one daughter who currently attends elementary school.

Ms. C. started her business 10 years ago with $4,000.00 Nicaraguan córdoba. She makes periodic trips to the sea, where she buys the best seafood, then sells it at the Santa Ana market in Chinandega. Her trips have caused her to incur transportation expenses, which is why she has felt the need to take out 6 loans in one year from Ceprodel, yielding great results for her business.

Since she started to use the loans that Ceprodel has provided her with, she has obtained numerous benefits, mainly the acquisition and construction of her own business space, where she currently sells seafood.

Translated from Spanish by Elizabeth Casian, Kiva Volunteer.

Julia C. es una dama que se dedica a la venta de mariscos en la ciudad de Chinandega. Es madre de una hija que actualmente cursa su primaria en un colegio de esta comunidad.

El negocio de la señora Julia inicia hace 10 años con una inversión de C$ 4,000 utilizando la forma de trabajo la cual consiste en realizar viajes esporádicamente al mar en donde compra los mejores mariscos para luego venderlos en el mercado Santa Ana de la ciudad de Chinandega. Esto ha causado que la señora Julia incurra en gastos de transporte por lo que se ha visto en la necesidad de realizar prestamos en Ceprodel (6 créditos) desde hace un año obteniendo mejores resultados para su negocio.

Desde el momento que comenzó a utilizar los créditos que le brindara Ceprodel ha obtenido numerosos beneficios siendo el principal de ellos la adquisición y construcción de un local propio que es donde actualmente se mantiene vendiendo los mariscos.

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
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,770,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $200 helped Julia Esperanza purchase of seafood.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Feb 14, 2008
Jan 31, 2008
Currency Exchange Loss:
Aug 14, 2008