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María Esther
Maria is a merchant who sells fruits, vegetables and staple grains. She's had this business up and running for about 5 years.

It's important to mention that prior to this she worked in agriculture with the help of her children. With her savings from this activity, she had the opportunity to buy a stall in the market and have the business that she had always dreamed of.

Maria provides friendly service to her customers, because she appreciates having her job.

Maria is a single mother who has 4 children in her care. Three of her children are school-aged. She needs this opportunity that she is being provided to invest in her business and improve it. She is requesting a loan to increase her inventory by purchasing staple grains and beans so that she can have an appropriate amount of goods available to sell.
View original language description ↓
Doña Maria, es una comerciante de frutas, verduras y granos básicos, su actividad comercial tiene aproximadamente 5 años de estar funcionando.

Es importante mencionar que ella antes se dedicaba a la agricultura con la ayuda de sus hijos, y con las ventas realizadas los ahorraba, se le presento la oportunidad de comprar un local en el mercado para poner su propio negocio que tanto soñaba.

María ofrece atención amable a sus clientes, ya que aprecia su trabajo.

Ella es madre soltera, y tiene cuatro hijos a su cargo, con tres de ellos en edad escolar, Necesita la oportunidad de que se el pueda brindar un financiamiento para invertir y mejorar su negocio y así incrementar su inventario, el crédito lo solicita para compra de granos básicos: frijoles, manteniendo disponibles para su debida comercialización.

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

  • $3,636
    Average annual income
  • 60
    View loans »
    Nicaragua Loans Fundraising
  • $23,441,425
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped María Esther to buy staple grains and beans.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 12, 2012
Nov 17, 2012
Currency Exchange Loss:
Dec 21, 2013