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Nora Del Carmen
Nora del Carmen is a businesswoman who has stalls in one of the markets located in San Rafael del sur, Managua, Nicaragua. There she sells artesanal products such as clay pots, and clay collection boxes, three sizes of ceramic hotplates, and plastic barrels, buckets, collection boxes, vases and artificial flower arrangements.

Nora del Carmen is married. Her husband is a mechanic and runs a small repair shop out of their house. He works with his son, who is also a mechanic.
Nora del Carmen has four children who are older and married. One daughter, her husband, and their two children live with Nora del Carmen and her husband. This daughter helps her mother to sell goods in the market as well as make piñatas and flower arrangements.

Nora del Carmen has invested previous loans in her business and with this one she plans to buy craft materials such as ceramic hotplates, clay pots, plastic pots, and clay vases for flowers in order to offer a wider variety of merchandise to her customers. She has been very happy with the previous loans she requested from Ceprodel and Kiva. She has been able to slowly expand her business and improve her quality of life.
View original language description ↓
La Señora Nora del Carmen es comerciante tiene un tramo en uno de los mercados de san Rafael del sur, Managua, Nicaragua, su actividad es venta de productos artesanales como: maseteras de barro, alcansillas de barro, comales de barro de tres tamaños y productos plásticos como: barriles, Valdés, alcancilla plásticas, panas, vasos y arreglo florales artificiales.

Es casada su esposo es mecánico tiene un taller propio en su casa, trabaja con un hijo que es mecánico.
Doña Nora tiene cuatro hijos todos mayores de edad, son casados, una hija es la que vive con ella es casada y tiene dos hijos menores y es la que le ayuda en el mercado a atender a su clientela y hacer las piñatas y los arreglos florales.
los créditos anteriores los ha invertido en su negocio.este que esta solicitando lo invertira en compra de mercadería artesanal: Comales de barro, maseteras de barro y plásticas, jarrones de barro para flores.para ofrecer mayor variedad a sus clientes.

Este cliente manifestó sentirse muy contenta con los crédito que Ceprodel y kiva le han financiado y asi su negocio ha tenido un crecimiento poco a poco y sus condiciones de vida han mejorado.

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
  • $25,383,750
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Nora Del Carmen to buy craft materials such as blocks of clay, clay and plastic pots, and clay vases for flowers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 21, 2012
Oct 15, 2012
Currency Exchange Loss:
Apr 18, 2013