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Ramón Sebastián
Ramón is married, and he now lives alone with his wife, who also works at his sales location. He is a small businessman who now sells consumable products like rice, sugar, beans, cooking oil, soap, cheese, and eggs, among others.

He lives in San Rafael del Sur in the Managua municipality. It is a tourist location with a high potential for development because of its beautiful beaches on the Pacific coast of Nicaragua.

Before having his business he was a worker in the cement industry. He later was left unemployed. The idea of setting up his own personal business, where he could contribute to the family expenses, was born from this situation.

He is requesting this loan to buy rice, sugar, cooking oil, vegetables, beans, and Movistar cell phone recharges to increase his inventory and to get more income.
View original language description ↓
El señor Ramón de estado civil casado y actualmente vive solo con su esposa, quien también trabaja en su punto de venta; él es un pequeño comerciante que actualmente se dedica a vender productos de consumo como arroz, azúcar, frijoles, aceite, jabón, queso, huevos, entre otros.

El vive en san Rafael del sur, un municipio de Managua, un lugar turístico con un alto potencial de desarrollo por las bellas playas del pacifico de Nicaragua.

Antes de tener su negocio él fue obrero en la industria de cemento, después queda en el desempleo, situación del cual nace la idea de poner su propio negocio personal donde colabora en los gastos familiares.

esta solicitando este crédito para la compra de: arroz, azúcar, aceite, verduras en general, frijoles, recargas movistar, esto con el fin de incrementar su inventario y obtener mas ganancias.

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,034,300
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Ramón Sebastián to buy rice, sugar, cooking oil, vegetables, beans, and Movistar cell phone recharges.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Sep 17, 2012
Oct 16, 2012
Currency Exchange Loss:
Jul 17, 2013