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María Eugenia
María Eugenia starts her business activities at six in the morning at the site where she sells soft drinks, juices, and chilled water. She offers to sell drinks to all of the customers that board the busses that go to different communities. These customers finish their work at five in the afternoon. Her stand is located at the León Bus Terminal market. She does this work to support her family that she loves so much.

The loan will be used to buy better quality products like soft drinks, candies, gum, and juices. This way she will be able to meet her customers’ needs. She will be able to increase her sales that help her improve her quality of life.

She is grateful because she has previously received loans with Ceprodel. They have helped her increase her working capital because she buys her products for less. Consequently, when she sells them she gets income that little by little is allowing her to improve her living conditions.
View original language description ↓
La señora María Eugenia, inicia sus actividades a las 6 de la mañana en el punto ofertando lo que es gaseosas, jugos, Agua Helada ofertándolo a todos los clientes que abordan los autobuses que van a las distintas comunidades finalizando sus labores a las 5 de la tarde. Su puesto está ubicado en el mercado Terminal de Buses de León donde realiza esta actividad para la mantención de su Familia que tanto quiere.
El crédito será utilizado para la compra de productos de mayor calidad tales como: Gaseosas, Caramelos, Chicles, Jugos y así poder satisfacer las necesidades de sus clientes logrando incrementar sus ventas que le ayudaran a mejorar su calidad de vida.
Se siente agradecida porque anteriormente ha realizado créditos con Ceprodel y le han ayudado a incrementar su capital de trabajo ya que compra más barato sus productos por lo que al venderlos obtiene los ingresos que poco a poco le van permitiendo mejorar sus condiciones de vida.

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
  • 23.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped María Eugenia to buy soft drinks, juices, cigars, candies, gum, and other snack products.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Feb 23, 2012
Mar 30, 2012
Currency Exchange Loss:
Nov 21, 2012