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Reyna Luz
Reyna is single with a nuclear family of four, her husband and two adult children. She's from the town of Tisma in the department of Masaya.

Reyna has been a merchant for nine years, which has served her well because currently she has her own customers in the neighboring country of Costa Rica. She exports all styles of footwear, which she buys in the Masaya town market. Sometimes she also takes orders for handmade clothing. She travels every two weeks. Sales are better there; she gets more income and demand is high.

She's asking CEPRODEL for a loan to buy the merchandise she needs because she's already getting requests for the upcoming season. She's going to buy sandals, running shoes, men's and women's pants, blouses, underwear, cosmetics, and t-shirts. She has some of it but needs more, and she wants to have stock because footwear will become too expensive to buy here.

She thinks the help from CEPRODEL is good because the interest is low and it also helps support her business. This way she can give her family a decent life.
View original language description ↓
La Señora Reyna, es soltera, con un núcleo familiar de 4 personas su esposo y dos hijos mayor de edad originaria del municipio de Tisma del departamento de Masaya.
Reyna es comerciante desde hace 9 años, experiencia que le a servido de mucho ya que actualmente tiene sus propios clientes, el cual están radicados en el país vecinos de Costa Rica, ella exporta calzado de todo estilo, el cual los compra en el mercado municipal de Masaya, también algunas veces lleva ropa artesanal pero esto es por encargo. Ella viaja cada quince días, allá las ventas son mejores, percibe más ingresos y es grande la demanda.

Por la temporada que se acerca y el cual ya le están haciendo los encargo de calzado, solicita a Ceprodel un crédito que pueda comprar la mercadería que esta necesitando, Para la compra de sandalias bajas, sandalias alta, rinos, pantalones varon, pantalones de mujer, blusas, ropa interior, cosméticos, camiseta azatec. cuenta con una parte y quiere completar y también tener en existencia porque luego el calzado se pone mas caro para poder comprarlo aquí. Considera que la ayuda que ceprodel le brinda es buena porque siente que los intereses son bajos y que le ayudan de igual manera a mantener su negocio siempre asi puede dar una vida digna a su familia.

Additional Information

About CEPRODEL

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
  • 102
    View loans »
    Nicaragua Loans Fundraising
  • $24,739,175
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Reyna Luz to buy footwear, clothing, and cosmetics.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 24, 2012
Listed
Oct 27, 2012
Currency Exchange Loss:
Possible
Ended:
Oct 17, 2013