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Freddy Ramón
Sr. Freddy Ramón is originally from Managua and has lived there for years with his wife and daughters. He is a hardworking individual who has been employed as a driver at one of the universities for the past nine years.

Freddy came to CEPRODEL in order to request a loan so that he could pay for university expenses such as registration fees, tuition, and supplies. He is asking for CEPRODEL and Kiva for assistance through this loan so that he can help his family improve their quality of life.

View original language description ↓
El señor Freddy Ramón es originario de Managua donde tiene años de vivir junto a su esposa y sus hijas, es una persona trabajadora que se desempeña como conductor en una de la universidades desde hace 9 años, donde viene luchando para el futuro de sus hijas de que sean unas profesionales.

Se presento a CEPRODEL para solicitar un crédito para gastos universitarios como pago de matrícula, mensualidad, útiles.

solicita a CEPRODEL y KIVA que puedan brindarme el apoyo otorgándole este crédito que ayudara a mejorar la calidad de vida de su familia.

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
  • 95
    View loans »
    Nicaragua Loans Fundraising
  • $24,749,225
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $625 helped Freddy Ramón to pay for university expenses.
99% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Jan 30, 2013
Feb 4, 2013
Currency Exchange Loss:
Jul 18, 2014