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Bernardo Nicolas
Bernardo is 51 years old. He lives in the municipality of Chichigalpa, a place close to the Nicaragua Liquor Company, which is known for its production of sugar cane and spirits. Chichigalpa is also one of the hottest place in Nicaragua.

Two years ago, Bernardo was diagnosed with an illness, from his childhood of harvesting sugar cane, irrigation, and fieldwork. Being diagnosed with this illness, no one will hire him in order to avoid medical expenses, despite the fact that he is a strong man still.

Bernardo wakes up at 6 in the morning everyday to do his daily chores, and then he conducts his sales business. When he can leave, he helps his wife collect her outstanding payments. This loan is to cover family expenses and to invest in his business through the purchase of clothes, sweets and cosmetics.

Bernardo is grateful to CEPRODEL and KIVA, because his and his family’s quality of life is improving, and he calls for their continued support so that everyone who suffers from this disease will be supported.
View original language description ↓
El señor Bernardo tiene 51 años de edad. Vive en el municipio Chichigalpa, un lugar cercano a compañía Licorera de Nicaragua, conocido por su producción de caña de azúcar y licorera. Es uno de los lugares más caliente de Nicaragua.

Desde hace 2 años le fue diagnosticado con una enfermedad. El trabajo desde su niñez en corte de caña de azúcar, riego y labores de campo.

Al ser diagnosticado con esta enfermedad, a pesar de ser un hombre aun fuerte no lo contratan para evitar gastos médicos.

El se levanta a las 6 de la mañana todos los días a realizar sus labores cotidianas y posteriormente se dedica a la venta y cuando puede salir, ayuda e a su esposa a cobrar los pagos pendientes de su esposa.

El destino del crédito es para cubrir gastos familiares e invertir en el negocio en la compra de ropa, dulces, y cosméticos.

El señor Bernardo agradeciendo a CEPRODEL y Kiva ya que de esta manera está mejorando su calidad de vida y la de su familia y pide que se les siga apoyando para que todas las personas que sufren de esta enfermedad sean apoyados.

Additional Information

More information about this loan

This loan is part of CEPRODEL's program to lend to individuals who suffer from work-related health problems.  These individuals are frequently rejected for loans by microfinance institutions due to poor health and low income. CEPRODEL is offering loans to these clients and their families for a range of purposes, including working capital to help them start or grow small businesses. For borrowers starting new businesses, CEPRODEL waives its requirement that recipients have over one year of experience in the field. Given the relatively higher risk of lending to these borrowers, CEPRODEL would not be able to offer these loans without the flexible, risk-tolerant capital provided by Kiva lenders.

Please note that the faces of CEPRODEL borrowers may be blurred in an effort to avoid safety risks and to maintain their privacy.


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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Bernardo Nicolas purchase clothes, sweets and cosmetics.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 14, 2012
Nov 18, 2012
Currency Exchange Loss:
Dec 21, 2013