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Karen Johana
Karen Johana lives in the municipality of Nindirí, part of the Masaya department. She is 34 years old and works as a vendor.

Her immediate family is comprised of her husband, her young daughter, and herself.

Her business is selling used clothing, as well as running a small convenience store. She started it two years ago with her own money, which came from some savings that she had. She started the business with the hope of being able to contribute towards the household income and to be able to have financial security. She makes her clothing purchases at the market in Managua, and her customers are her neighbors and passers-by.

Currently she needs to invest more in her business to buy bundles of used clothing and jewelry to be able to stock up her business. This is why she is requesting a loan from Ceprodel to enable her to offer more variety. She believes that this help will give her a better quality of life and will allow her to give her daughter a better education.
View original language description ↓
Doña Karen Johana, reside en el municipio de Nindirí perteneciente al departamento de Masaya, tiene la edad de 34 años, de oficio comerciante.

Su núcleo familiar compuesto por su esposo, su pequeña hija y ella.
Su negocio consiste en la venta de ropa usada y una pequeña Pulpería, lo inicio hace 2 años con su propio capital que provenían de unos ahorros que ella tenia, esto lo inicia con el propósito de colaborar con los ingresos del hogar y poder contar con un bienestar económico, la compras de su negocio de ropa las realiza en el mercado oriental de Managua, sus clientes son sus vecinos y transeúntes.

Actualmente esta necesitando invertirle más a su negocio para la compra de pacas de ropa usada y bisutería y así poder reabastecer su negocio, por lo que esta solicitando a ceprodel un financiamiento que le permita ofrecer variedad en su negocio, considera que esta ayuda le dará mejores condiciones de vida y le brindara una mejor educación a su hija.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 24.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Karen Johana to buy bundles of used clothing and jewelry to sell.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jan 16, 2013
Jan 17, 2013
Currency Exchange Loss:
Nov 17, 2013