Check out some available loans that are similar to this one!
María Del Carmen
María del Carmen is from the department of Masaya. She is 50 years old and is both a businesswoman and a homemaker. She and her husband make up their nuclear family.

Her business involves the buying and selling of useful products for the home and items for personal use. With the help of her husband the business has made progress and they have had the business for 5 years. The two of them go door to door to show their products, which include backpacks, pants, nightgowns, perfumes, thermoses, shades, electric fans, etc. They acquire new customers this way, and are also recommended by others.

They started their business with their own capital. They sell their products in the Diriomo, Masaya, and Malacatoya municipalities. Two of these municipalities are in neighboring areas and people there would have to travel many hours to purchase a product. For that reason their customers are people that they find along their route. They purchase their products in the Masaya market.

María also has a small business in her home where she sells soft drinks and snacks that she makes. When she isn't out selling, she runs that business herself.

She and her husband dream of increasing their customer base and growing their business. This is the season when they have more demand because school is in session. They are asking Ceprodel for a loan to purchase backpacks, pants, nightgowns, and perfumes to meet their customers' needs and improve sales.
View original language description ↓
Doña María del Carmen, es del departamento de Masaya tiene 50 años de edad, de oficio comerciante y a la vez ama de casa, su núcleo familiar lo componen su esposo y ella.

Su negocio consiste en la compra y venta de productos útiles para el hogar y de uso personal, con la ayuda de su esposo han salido adelante, tal es el caso que llevan ya 5 años de estar en el mercado, la manera de cómo ofrecen el productos, entre los dos salen de casa en casa dando a conocer los productos entre los que mencionan mochilas, pantalones, camisolines, perfumería, termos, sombrías, abanicos eléctricos entre otros.

Y de ahí es como van adquiriendo sus propios clientes, aparte que también la misma gente los va recomendando. Esto lo iniciaron con capital propio, sus productos los comercializan en los municipios de Diriomo, Masaya y Malacatoya, dos de estos municipios son zonas aledañas que para que las personas puedan adquirir un producto tienen que viajar varias horas, por lo que sus clientes son personas que ellos prospectan en el recorrido que efectúan, las compras de sus productos la realizan en el mercado de Masaya.

Doña María también cuenta con un pequeño negocio ubicada en su casa de habitación vende refresco y platanitos elaborados por ella, que en los momentos que ella no sale a vender, ella misma es la que se encarga.

Uno de sus sueños y el de su esposo es de engrandecer más su línea de clientes y expandir más su negocio.

Por esta época ella tiene más demanda por la temporada escolar, por lo que se acerca a Ceprodel para obtener un crédito y poder realizar las compra de mochilas, pantalones, camisolines, perfumería para poder satisfacer a sus clientes y mejorar sus ventas

Additional Information

About CEPRODEL

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
  • 128
    View loans »
    Nicaragua Loans Fundraising
  • $24,581,200
    Funds lent in using Kiva
  • 24.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped María Del Carmen to purchase backpacks, pants, nightgowns and perfumes.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 10, 2013
Listed
Jan 17, 2013
Currency Exchange Loss:
Possible
Ended:
Dec 21, 2013