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Nery Carmen
Nery is 32 years old and has two children who are attending school. She is dedicated to commerce for nine years, starting with the sale of underwear in the municipal market. She kept it in this place for four years, and then moved her business to her home where not only sold underwear but also sells bicycle parts and basic grains, soda, deodorant, canned goods, etc. Before Nery started her business, she worked as a maid in a bakery.

The loans have been granted to invest more in her business and be able to keep it stocked. The loans have been very helpful, because they allow her to have a better life for her and her children.

View original language description ↓
La señora Nery de 32 años de edad con dos hijos que asisten a la escuela, ella se dedica al sector comercio desde hace 9 años, iniciando con una venta de ropa interior en el mercado municipal el cual lo mantuvo en ese lugar por 4 años, posteriormente traslado su negocio a su casa de habitación en donde no solamente vendía ropa interior si no que también vende repuestos para bicicletas y venta de granos básicos, gaseosas, desodorantes, enlatados, etc.

antes que Nery iniciara su actividad comercial trabajaba como domestica en una panadería. Los créditos que se le han otorgado han sido para invertir aun mas en su negocio y poderlo mantener surtido, además de que estos le han sido de gran ayuda, ya que le permiten tener un mejor nivel de vida para ellos y sus hijos.

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
  • 69
    View loans »
    Nicaragua Loans Fundraising
  • $25,101,575
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Nery Carmen to buy basic grains, soda, deodorant, sanitary towels, canned goods, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 13, 2012
Oct 14, 2012
Currency Exchange Loss:
Oct 17, 2013