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Nubia Del Carmen
Nubia owns a general store, located at her home. She sells basic grains, dairy products (milk, cheese, cream), and sweets, among others. She buys some of her merchandise at the town market and the rest from distributors. Nubia lives in her hometown. She fought bravely against adversity to finally own her shop and stock it with basic products needed for the home. Nubia needs a loan to buy more products to face rising demand, as she has more customers since her business has grown. She is married and has two children, who go to school. She is very happy with all the loans she received as she tells us they have been very helpful to make her business grow.
View original language description ↓
La Actividad de la sra. Nubia es comerciante tiene una pulpería ubicada en su casa de habitación venta de granos básicos, productos lácteos como leche, queso, crema, golosinas, entre otros. Sus compras las realiza en el mercado municipal y otros productos llegan los distribuidores al negocio.
Doña Nubia es originaria del municipio, es una persona luchador que ha venido desde abajo para poder tener su propio negocio y surtido de productos que son básicos y necesarios para el hogar.
Este cliente necesita un financiamiento para comprar más productos por que tiene una gran demanda de sus clientes. Su negocio ha crecido ahora tiene más clientela.
Es casada tiene dos hijo menores de edad en edad escolar.
Me siento muy bien por todos los financiamientos que me han otorgado que me han ayudado muchísimo en mi crecimiento como comerciante.

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
  • 130
    View loans »
    Nicaragua Loans Fundraising
  • $24,054,525
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $675 helped Nubia Del Carmen to buy basic goods such as rice, sugar, oil, and broad beans.
99% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Dec 27, 2012
Jan 6, 2013
Currency Exchange Loss:
May 17, 2014