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José De La Concepción
Jose has a store that sells toys and domestic electric appliances in the Ivan Montenegro market. He has been selling there for 21 years. He works Monday through Sunday, from 7:00 am until 5:00 pm.

Jose is married and the father of 2 children who are no longer dependents. He has had 17 loans through Ceprodel, all of them for purchasing merchandise for his business.

Jose is requesting a new loan to purchase toys and domestic electric appliances to sell, since sales are good during these months.
View original language description ↓

Don José tiene su negocio de venta de juguetes y electrodomésticos en el mercado ivan Montenegro, el tiene veinte y un años de vender en el mercado, el vende de lunes a domingos de las seis de la mañana hasta las 5 de la tarde.
El es casado y padre de dos hijos pero estos ya no dependen de el. El ha trabajado diecisiete préstamos con ceprodel y estos han sido para compra de mercadería para su negocio.
El esta solicitando un nuevo financiamiento para invertir en compra de juguetes y electrodomésticos para su negocio, ya que para estos meses las ventas son buenas.

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
  • 89
    View loans »
    Nicaragua Loans Fundraising
  • $25,032,475
    Funds lent in using Kiva
  • 22.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped José De La Concepción to buy merchandise for his store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 10, 2011
Nov 3, 2011
Currency Exchange Loss:
Dec 4, 2012