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Luz De Fátima
Luz de Fátima is 37. Since she got married and started her household, she has been a businessperson. Her business is a small café located in a high school, where she offers fast food to students and teachers.

Her day starts at 5:00am, so that she can prepare the dishes that she sells in the café at 10:00am and at 3:00pm, which is recess time.

She has worked in this occupation for four years, which has allowed her to help her husband with the household expenses and provide better living conditions to her children.

She is applying for this loan to buy chicken, sugar, fruits, rice, plantains, water and juices, with the aim of offering a greater variety of food to her customers.

She is grateful to Kiva and Ceprodel for the support they offer to small businesses who need this working capital to keep going.
View original language description ↓
Doña Luz de Fátima de 37 años que desde que se casó y formó su hogar se dedica al comercio donde su negocio consiste en un Cafetín ubicado en un colegio de secundaria donde ofrece comida rápida a los estudiantes y maestros.

Su día inicia a las 5 am para preparar los platillos que vende en el cafetín a las 10 am y a las 3 pm que es la hora de receso.

Se dedica a este oficio desde hace 4 años el que le ha permitido ayudar a su esposo con los gastos del hogar y brindarles mejores condiciones de vida a sus hijos.

Está solicitando este crédito para la compra de pollo, azúcar, frutas, arroz, plátanos, agua y jugos con el objetivo de brindarles mayor variedad de comida a sus clientes.

Agradece a KIVA y Ceprodel por el apoyo brindado a los pequeños comerciantes que necesitan de este capital para seguir adelante.

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
  • 96
    View loans »
    Nicaragua Loans Fundraising
  • $24,749,225
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Luz De Fátima to buy chicken, sugar, fruit, rice, plantains, water and juices.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 21, 2012
Jan 1, 2013
Currency Exchange Loss:
Dec 21, 2013