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César Del Carmen
November and December is a beautiful time to visit El Sauce and go along roads that lay between mountains covered with flowering Madroños, the national tree of Nicaragua. It's wonderful to smell the natural and pure aroma of the flower which is used to decorate the Virgin Mary on the 7th December when the day of the Immaculate Conception is celebrated.

In this town, full of religious traditions, lives César, a 43 year old man who works as a machine operator and security guard for a company in the above mentioned area. This work allows him to provide for his house and improve his house little by little, according to his possibilities.

Given the circumstances of his work which require him to work during the night, he has tried to make his house as secure as possible so that his wife who stays in alone, isn't in danger. It's for this reason that all his loans have been requested for this purpose. Today he is requesting this loan to buy materials like iron, bricks, cement and to pay workers to block off his house's patio with a wall.

As he is a religious man, he trusts in God and the Virgin Mary that his request will be accepted to carry out his objective since he can only make his dreams come true in life with the help of these loans.
View original language description ↓
En temporada de Noviembre y Diciembre es bonito visitar El Sauce, ir sobre la carretera entre montañas florecidas de Madroños blancos, el cual es el árbol nacional de Nicaragua y que rico es sentir aquel aroma natural y puro de esa flor que se acostumbra a adornar a la virgen María los siete de diciembre donde se celebra la gritería.
En este pueblo lleno de tradiciones religiosas habita César un señor de 43 años que se dedica a laborar como operario y vigilante para una empresa en dicho municipio, labor que le permite llevar el pan de cada día a su hogar e ir mejorando poco a poco su vivienda bajo sus posibilidades.
Dada las circunstancias en las que trabaja que la mayor parte es de noche ha tratado de darle mayor seguridad a su vivienda para que su esposa la cual queda sola no corra peligro, es por tal motivo que todos sus créditos han sido para ese fin. Hoy está solicitando este crédito para cerrar con pared el patio de su casa con el cual comprará materiales como hierro, ladrillos, cemento y pago de mano de obra.
Como hombre religioso confía en Dios y la Virgen María que su solicitud sea aprobada para llevar a cabo su objetivo, ya que solamente con la ayuda de estos créditos se pueden cumplir sueños en la vida.

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
  • 66
    View loans »
    Nicaragua Loans Fundraising
  • $25,083,125
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped César Del Carmen to buy iron, bricks, cement and to pay workers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 21, 2012
Dec 6, 2012
Currency Exchange Loss:
Dec 21, 2013