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María José
María sells lime and salt in the north of Nicaragua to coffee and vegetable producers, hardware stores, and ranchers in the area. She started her business with financial support from her father, who also has made a living in this business for many years.

Nevertheless, she needs a loan to be able to handle the demand for lime and salt, so she can deliver these products more quickly.

She has a common-law spouse, who helps her attend to this business. She has a preschool-age child and her income is to pay for the household expenses.
View original language description ↓
Doña maria, es una comerciante de cal y sal, productos de los cuales los comercializa en el norte de Nicaragua a productores de café, hortalizas, ferreterías y ganaderos de la zona.
Su negocio lo inicia con el apoyo financiero de su padre, quien también por muchos años se dedica e esta actividad comercial.
Sin embargo para poder atender la demanda de cal y sal, necesita un préstamo para brindar una mejor rapidez en la entrega de estos productos.
Su estado civil es acompañado, y cuenta con la colaboración de su pareja para atender esta actividad comercial, tiene un hijo en edad de preescolar y con los ingresos que obtiene es para solventar los gastos del hogar.

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
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped María José to buy lime and salt.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Dec 26, 2012
Jan 5, 2013
Currency Exchange Loss:
Oct 17, 2013