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Luz Audilia
Young Luz Audilia comes from the town of El Sauce. She's a driven "sauceña" (a native of El Sauce) who works hard, has a bright future ahead of her and dreams of seeing her business established.
This business is a grocery store where she sells groceries in general, clothing and costume jewelry. Despite her young age, she's determined to get ahead and she's dynamic as far as her business goes.
It is visited by countless customers due to the owner's friendliness and the variety of merchandise available in the store, which has been open for many years.
She currently needs to get a loan, because she needs capital in order to stock up her business with various products demanded by her customers. She intends to keep her customers satisfied and therefore expand her clientele, which is her main goal.
For that reason she has turned to Ceprodel for the first time, so she can get a loan in order to achieve her goal. That way she'll increase her profits so she can support her family's expenses and help her husband pay for those expenses.
She trusts in God to get this support, which is of great help for the small businesspeople in the country.
View original language description ↓
La joven Luz Audilia es originaria del municipio de El Sauce, es una sauceña luchadora que se caracteriza como trabajadora con un futuro por delante y que uno de sus sueños es ver su negocio realizado.
Este negocio consiste en una pulpería donde ofrece abarrotería en general, ropa y bisutería y a pesar de su juventud tiene espíritu por salir adelante y dinamismo en cuanto a dicho negocio.
Es visitado por un sin número de clientes por la amabilidad de la dueña y por la variedad de productos con que cuenta este negocio, el cual tiene muchos años de operar.
En este momento tiene la necesidad de adquirir un préstamo, ya que necesita capital para surtir su negocio de productos variados que demandan sus clientes con el fin de satisfacer a los mismos y así ganar clientela el cual es su objetivo principal.
Por tal razón se acercó por primera vez a Ceprodel con el fin de que le otorguen un crédito para llevar a cabo su objetivo y así obtener mayores ingresos para sustentar sus gastos familiares y ayudar a su esposo a subsidiar dichos gastos.
Confía en Dios poder obtener este apoyo que son de gran ayuda para los pequeños comerciantes de nuestro país.

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
  • 97
    View loans »
    Nicaragua Loans Fundraising
  • $24,738,825
    Funds lent in using Kiva
  • 23.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Luz Audilia to purchase various garments, costume jewelry and groceries.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jun 30, 2012
Jul 10, 2012
Currency Exchange Loss:
Jun 18, 2013