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Martha Julia
Kiva, we present to you Martha, a vendor at a stall of groceries and human consumption products. For twelve years she has been dedicated to this work, being an example mother who collaborates with her spouse with the household bills.

Before having her business, she sold pork and made nacatamales, a food product in the food of Nicaraguans. To provide better attention and to have a variety of products, she needs $834 to diversify and to be able to meet demand in this Christmas season.

The loan will be repaid in one year, with fortnightly payments. It is important to note that Martha is an honest person with Christian values. She is married and has two school age children.
View original language description ↓
Señores kiva, presento ante ustedes a la señora Martha, comerciante de un puesto de abarrotería y productos de consumo humano, tiene 12 años de dedicarse a esta labor, siendo una madre ejemplar que colabora junto con su esposo con los gastos de su hogar,
Antes de tener su negocio, ella vendía carne de cerdo y elaboraba nacatamales, un producto alimenticio en la comida de los nicaragüenses.
Para brindar una mejor atención y tener una variedad de productos, ella necesita $834 para diversificar y poder abastecer la demanda en esta temporada navideña.
El crédito lo cancelara a un plazo de un año, con abonos quincenales.
Es importante mencionar que doña Martha es una persona honesta y de valores cristianos.
Su estado civil es casada y con dos hijos en edad escolar

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
  • 102
    View loans »
    Nicaragua Loans Fundraising
  • $24,739,175
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Martha Julia to buy basic grains like rice, beans, sugar and maize.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 30, 2012
Nov 11, 2012
Currency Exchange Loss:
Dec 21, 2013