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Martha Lesbia
Martha is a young woman who lives in the community of La Palma, 10 kilometers from the municipality of El Sauce, Nicaragua. She is 26 years old, married and has two children. Because her parents lacked resources, she was not able to finish school. She married at a very young age out of life's circumstances and inherited the enterprising and fighting spirit of her mother, who made a living in commerce. With the support of her husband, Martha was able to get a little capital to start her own business and help him with the household expenses. She installed a small convenience store in her home where she offers general groceries, taking advantage that there was no such business in the community and the inhabitants had to travel to El Sauce to acquire their household necessities. At this time sales have increased thanks to the nice January weather, and she needs more capital to stock her business. She is requesting the loan to purchase rice, sugar, bread, soap, toilet paper, soft drinks and cosmetics. She is asking Kiva and CEPRODEL to support her in this request so she will be able to stock up on the products her customers demand and thus be able to satisfy them.
View original language description ↓
La joven Martha Lesbia habita en la comunidad de La Palma ubicado a 10 km del municipio de El Sauce, es una joven de 26 años, casada, madre de dos niños que por sus bajos recursos de sus padres no pudo terminar la escuela, se casó muy joven por circunstancias de la vida y heredó la actitud de emprendedora y luchadora de su madre que se dedican al pequeño comercio.

Con el apoyo de su esposo el cual le obsequió un pequeño capital para que iniciara su propio negocio y le ayudara con los gastos del hogar instaló una pequeña pulpería ubicada en su vivienda donde ofrece abarrotería en general, contando con la ventaja que es el único negocio que hay en el caserío y que así sus habitantes se evitan de viajar hasta el Sauce para adquirir lo necesario para el hogar.

En este momento por la buena temporada de enero donde las ventas aumentan necesita más capital para surtir el negocio por lo que necesita de un crédito para la compra de arroz, azúcar, aceite, pan, jabón, ace, papel higiénico, gaseosas y cosméticos.
Solicita a Kiva y Ceprodel que le apoyen con su solicitud para poder surtir de productos que demandan sus clientes y así poderlos satisfacer.

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

  • $3,636
    Average annual income
  • 98
    View loans »
    Nicaragua Loans Fundraising
  • $24,384,275
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Martha Lesbia to purchase rice, sugar, oil, bread, soap, toilet paper, soft drinks and cosmetics.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Dec 27, 2012
Jan 4, 2013
Currency Exchange Loss:
Apr 16, 2014