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Ana Julia
Young Ana Julia is originally from the town of El Sauce. She has been working as an office worker at an institution for many years, an activity that has permitted her to buy electrical household appliances for the home and to improve her living conditions little by little.

As a responsible mother of her children she tries to give them the best care and wellbeing at home with adequate living conditions.

She has been working two years with Ceprodel where she has been granted 8 loans in order to buy electrical household appliances in order to improve her housing, and for this reason she is appreciative to the institution as thanks to them she has what she has in her humble home with the necessary furnishings and without it she would not have been able to acquire it because her low salary could not cover the basic living expenses of a home.

Currently she is asking for a loan in order to buy a washing machine with the goal of making her domestic chores easier to save her time between the two jobs of her house and her office work.
View original language description ↓
La joven Ana Julia es originaria del municipio de El Sauce, labora como oficinista en una Institución donde tiene muchos años, actividad que le ha permitido adquirir electrodomésticos para el hogar e ir mejorando su vivienda poco a poco.
Como madre responsable de sus hijos trata de darles lo mejor de sí en cariño y bienestar en el hogar con todas sus condiciones adecuadas.
Tiene dos años de trabajar con ceprodel donde le han otorgado ocho créditos para comprar electrodomésticos y para mejora de vivienda, razón por la cual agradece a esta Institución ya que gracias a ella tiene lo que hoy es su humilde hogar con el mobiliario necesario y que sin ello no hubiera podido adquirir esto porque con su bajo salario con costo alcanza para la canasta básica que es lo principal en un hogar.
Actualmente está solicitando para la compra de una lavadora con el fin de agilizar sus labores domésticos ya que tiene que agilizar su tiempo para cubrir los dos trabajos el de su hogar y el de su oficina.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,406,150
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Ana Julia to buy a washing machine.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 26, 2012
May 6, 2012
Currency Exchange Loss:
Nov 18, 2013