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José Bartolo
José Bartolo, 54, is married and lives in Masaya Department. He’s a carpenter with 21 years’ experience but has had his own business for 15 years because he needed to become independent and make himself known in the marketplace. Today, he has his own workshop and a regular clientele. He’s also been honing his skills to such an extent that his products are better made.

He needs to invest in supplies for his business which is why he’s come by the Ceprodel offices to request a loan to buy the following: cedar and laurel wood, sealer, thinner, sandpaper # 40, 80, 100 and 180, white #2 glue, Resistol plastic cement, screws, nails, upholstery foam, upholstery fabric, yellow carpenter’s glue so that he can continue expanding the business, increasing income and improving his and his family’s quality of life.
View original language description ↓
Don José Bartolo, tiene la edad de 54 años, casado, reside en el departamento de Masaya, de oficio carpintero, tiene de experiencia 21 años, pero desde hace 15 años adquirió su negocio, ya que el necesitaba independizarse y darse a conocer en el mercado, tanto así que hoy en día el tiene su propio taller y su clientela fija, también se ha ido perfeccionado de tal manera que su producto va adquiriendo mas mano de obra calificada. Actualmente esta necesitando invertirle de materiales en su negocio por lo que se presenta a nuestra oficina Ceprodel para requerir de un préstamo del cual pueda comprar los siguientes madera cedro, laurel, sellador, sener, lija #40, 80, 100,180, pega lanco, #2, pega resistol, tornillo, tornillo, clavos, esponja para tapizar, tela para tapizar, pega amarilla.

De tal manera que le pueda ir aumentando mas su negocio, mayores ingresos y mejor calidad de vida para el y su familia.

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,034,300
    Funds lent in using Kiva
  • 23.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped José Bartolo to buy furniture-making supplies.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 17, 2012
Jul 26, 2012
Currency Exchange Loss:
Sep 17, 2013