Marina Isabel owns a business selling natural fruit drinks, soft drinks, cold water, fruit, candy and cookies. She leaves her house at 5am and goes to one of the markets to buy her produce for making drinks. She opens for business at 6:30am and finishes at 5:00pm.
She has been doing this work for 20 years in order to help her husband support the household. She is the mother of four children, of whom three are in school.
She is applying for a loan that she will use to buy apples, grapes, soft drinks, shaved ice, candy and cookies to sell them to all her customers. This type of fruit is in greater demand during the Christmas season.
Marina has improved her and her family's standard of living, as with the income obtained as a result of the loan provided by Ceprodel, she has renovated her modest home, providing more comfort for her family. Her dream is to buy a truck for her business.
La Señora Marina Isabel, es dueña de un negocio de venta de refrescos naturales, gaseosas, agua helada frutas caramelos y galletas, sale de su casa a las 5:00 am se traslada a uno de los mercado a comprar su producto para la elaboración de refrescos y abre su negocio a las 6:30 am finalizando a la 5:00 pm, realiza este trabajo desde hace veinte años para ayudar a sus esposo a mantener el hogar, ya que es madre de cuatro hijos de los cuales tres están estudiando.
La Señora está solicitando un crédito el que utilizará para comprar manzanas, uvas, gaseosas, caramelos y galletas, para ofertarla a toda su clientela ya que este tipo de frutas tienen mayor demanda en la temporada navideña.
Doña Marina ha mejorado su nivel de vida y de su familia ya que con los ingresos obtenido producto de los créditos brindado por Ceprodel ha remodelado su humilde vivienda dándole más comodidad a su familia, sus sueños son comprar una camioneta para trasladarse a su negocio.
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.