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Tomasa Del Carmen
Tomasa has three school aged daughters. She is a hardworking person who really wants to get ahead. She is a small businesswoman who sells basic grains and some other foods necessary to the Nicaraguan diet. She lives in the town of San Rafael del Sur, an area located southwest of Managua, the capital de Nicaragua, which is fifty minutes away.

Before having this commercial activity, she produced tortillas. Little by little, with help from her life's companion, she saved up and was able to start this new activity.

The loan she is asking CEPRODEL for will be used to buy food merchandise such as: rice, beans, sugar, oil, corn and vegetables. She hopes to improve service to her customers and her family.

She is grateful to KIVA and Ceprodel for any loan opportunity they can offer.
View original language description ↓
La señora Tomasa tiene tres hijas en edad escolar, es una persona esforzada con muchos deseos de superación; de oficio pequeña comerciante que se dedica a vender granos básicos y algunos alimentos necesarios en la dieta de los nicaragüenses, ella vive en el municipio de san Rafael del sur, un lugar ubicado al suroeste de Managua, capital de Nicaragua a cincuenta minutos de viaje.
Antes de tener esta actividad comercial, ella se dedicaba a producir tortillas y poco a poco gracias a sus esfuerzos y con la ayuda de su compañero de vida; fue ahorrarando y es como logro tener esta nueva actividad.

El crédito que solicita a CEPRODEL, lo utilizara para compra de: mercadería de consumo: arroz, frijoles, azúcar, aceite, maíz, y verduras. con lo que espera en mejorar la atención a sus clientes y la de su familia.

Agradece a KIVA y ceprodel por la oportunidad de crédito que le puedan brindar.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,406,150
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Tomasa Del Carmen to buy food merchandise such as: rice, beans, sugar, oil, corn and vegetables.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 28, 2012
Oct 15, 2012
Currency Exchange Loss:
Nov 17, 2013