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Amelia Del Carmen
Doña Amelia is a small retailer who makes her living selling new and used clothing. She sells her products door to door in her municipality.

She has experience in this type of work, proof of which is that she currently needs more capital to purchase the variety of clothing that her customers are requesting.

Doña Amelia started her business because she needed to give her children a better quality of life. Her partner emigrated to another country to look for work. Even so, the family wasn't doing very well. By her own initiative, Doña Amelia started her own business to earn money to support her home.

Her start-up capital came from the money that her husband made working in another country. Instead of spending the money, Doña Amelia decided to invest it in earning a better income.
View original language description ↓
Doña Amelia, es una pequeña comerciante que se dedica a vender ropa nueva y ropa usada, su forma de venta es ambulante de casa en casa en el municipio donde vive.

Tiene experiencia con este tipo de trabajo, prueba de esto es que actualmente necesita mayor capital de trabajo para comprar una variedad de ropa que sus clientes le están solicitando.

Ella inicio su negocio por la necesidad de darle a sus hijos una mejor condición de vida, su pareja emigro a otro país en busca de trabajo, sin embargo no le fue tan bien y por iniciativa propia empieza a tener su propia actividad comercial donde obtiene ingresos para mantener su hogar.

Su capital inicial fue del dinero que su esposo obtuvo del trabajo realizado en otro país, y en vez de gastarlo decide en invertirlo para obtener 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
  • 62
    View loans »
    Nicaragua Loans Fundraising
  • $25,382,700
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Amelia Del Carmen to invest in the purchase of clothing.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 5, 2012
Nov 17, 2012
Currency Exchange Loss:
Oct 17, 2013