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Daysi Del Carmen
Daysi del Carmen, age 37, lives in the Chichigalpa municipality. This place is in the western part of Nicaragua, and it is known for its production of sugar cane and its distillery. It is one of the hottest places in Nicaragua.

Daysi del Carmen’s husband worked cutting sugar cane for some years. He subsequently died five years ago. Daysi del Carmen is a widow, but she got married again. She has five children, and four of them are now in school.

The family’s current support is the farm where they live. The farm produces fruits and vegetables, which she cuts at three in the morning. She also raises pigs and sells them at the local market. When her husband was alive, she sold clothes in an itinerant manner.

The loan was to improve her home. Daysi del Carmen says that she has used the funds that she received to buy construction materials. She is grateful to CEPRODEL and Kiva because she is improving her quality of life this way.
View original language description ↓
La señora Daysi del Carmen tiene 37 años de edad. Vive en el municipio Chichigalpa, un lugar en el oeste de Nicaragua, conocido por su producción de caña de azúcar y licorera. Es uno de los lugares más caliente de Nicaragua.
El esposo de la señora Daysi del Carmen trabajo por unos años en el corte de caña, posteriormente falleció hace 5 años.
La señora Daysi del Carmen es viuda pero se caso de nuevo. Tiene 5 hijos de los cuales 4 están actualmente estudiando.
El sustento actual de la familia es de la finca en donde viven, de la cual produce frutas y verduras las cuales las corta a las 3 de la madrugada, así como la crianza y venta de cerdos en el mercado local. Cuando su esposo estaba con vida ella se dedicaba a la venta de ropa ambulante.
El destino del crédito fue para mejora de vivienda.
La señora Daysi del Carmen manifestó que el los fondos que se dieron los ha utilizado para la compra de materiales de construcción, agradeciendo a CEPRODEL y Kiva ya de esta manera esta mejorando su calidad de vida.

Additional Information

More information about this loan

This loan is part of CEPRODEL's program to lend to individuals who suffer from work-related health problems.  These individuals are frequently rejected for loans by microfinance institutions due to poor health and low income. CEPRODEL is offering loans to these clients and their families for a range of purposes, including working capital to help them start or grow small businesses. For borrowers starting new businesses, CEPRODEL waives its requirement that recipients have over one year of experience in the field. Given the relatively higher risk of lending to these borrowers, CEPRODEL would not be able to offer these loans without the flexible, risk-tolerant capital provided by Kiva lenders.

Please note that the faces of CEPRODEL borrowers may be blurred in an effort to avoid safety risks and to maintain their privacy.


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
  • 75
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 23.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Daysi Del Carmen to buy construction materials in order to make improvements to her house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 13, 2012
Sep 28, 2012
Currency Exchange Loss:
Apr 16, 2014