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Gabriela Justina
Gabriela Justina is an enterprising person. She owns a small shop, with more than five years of experience in this line of work. She is the mother of six children; they are now economically independent. Both she and her husband work in the shop. Gabriela works Monday to Sunday, from six in the morning until nine in the evening. Her customers are neighbors that live close to the shop.

She is requesting a loan in our institution to invest in working capital. She will buy supplies such as rice, sugar, oil and dairy products. Her intention is to have a wider variety of products, to be able to offer more items to her customers and to increase the number of customers. She invested the previous loan in her business. She bought more products for her shop.

She appreciates the opportunity and the confidence that CEPRODEL and Kiva have in her. She will invest this loan in her business, which will allow her to support her family and to improve more and more her life's condition.
View original language description ↓
Gabriela Justina es una persona emprendedora,tiene su negocio pulperia, con mas de cinco anos de tener esa actividad, es madre de seis hijos, estos ya no dependen de ella, el negocio lo atiende ella y su esposo. Gabriela trabaja de lunes a domigo desde las seis de la mañana hasta las nueve de la noche;tiene su clientela cercana de su negocio.

Solicita el prestamo a nuestra institucion para invertir en capital de trabajo, para la compra de granos basicos como: arroz, azúcar, aceite, lacteos; esto con el proposito de tener mayor variedad de productos y ofrecer mas articulos a sus clientes, con el proposito de captar mas compradores, el credito anterior lo invirtio en su negocio en la compra de mas productos para su establecimiento.

Agradece a Ceprodel y Kiva, por la oportunidad y la confianza depositada en ella, por lo que este credito lo invertira en su negocio de forma que esto le permitira llevar el sustento a su hogar e ir mejorando su condicion de vida.

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
  • $25,413,450
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Gabriela Justina to buy supplies such as rice, sugar, oil and dairy products.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 28, 2012
Oct 15, 2012
Currency Exchange Loss:
Nov 17, 2013