Upon being diagnosed with this illness, despite still being strong, José stopped being hired because employers wanted to avoid medical expenses. Now, José lives off a reduced pension with which to pay his family's expenses. He relies on his small store to help him pay for his medical expenses.
José begins working at 6 a.m. each day to start his daily duties and later he works in the store. When he can leave, he helps his wife collect outstanding payments.
José will use this loan to cover his family expenses and to invest in his business to purchase candies, dairy products, and soaps to sell.
Desde hace 5 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.
Actualmente viven de una pensión reducida con la cual asume gastos familiares, cuenta con una pequeño negocio de subsistencia con el cual se apoya para cubrir gran parte de sus 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, cuando puede salir, ayuda e a su esposa a cobrar los pagos pendientes.
El destino del crédito es para cubrir gastos familiares e invertir en el negocio; en la compra de golosinas, chiverias, jabones.
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.
About CEPRODELThis 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.
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