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Eddy Javier
Eddy is 47 years old and lives in the town of Nindirí in the department of Masaya. He has had his business for nine years. His nuclear family is made up of four people including his wife and two children.

Eddy's business is a small market located in his home. He started this business with his own capital, which he received as severance pay when he worked as a salaried employee. Due to the lack of employment, he started his own project. Thanks to his hard work and dedication to supporting his family, the results have been very good.

Eddy and his wife have tried to make the business grow, and when he needs to buy merchandise to restock the store, he leaves his wife in charge. Like all developing businesses, it requires investment in the form of purchasing basic staples and groceries like rice, beans, sugar, oil, Super Marfil soap, toilet paper, salt, large packages of ketchup, Ace powdered laundry detergent, Huggies diapers, and Maseca corn flour.

Eddy believes that this loan will help him to improve his income and to grow his business so that he can offer his customers a good variety of products.
View original language description ↓
El Señor Eddy tiene 47 años de edad, reside en Nindirí municipio del departamento de Masaya, tiene 9 años de tener su negocio, su núcleo familiar es de cuatro personas compuesto por sus dos hijos y su esposa.

Su negocio es una pulpería, ubicada en la casa de habitación, la que inicio con capital propio, producto de una liquidación cuando laboraba como asalariado, debido a la falta de empleo inicio uno de sus proyectos, que gracias a su empeño, dedicación por sacar adelante su familia, los resultados han sido muy buenos.

Su esposa y él han tratado de hacer crecer el negocio, y cuando el necesita comprar la mercadería para reabastecer la pulperia la esposa se queda a cargo.

Como todo negocio en desarrollo, requiere invertir en él, por medio de la compra de granos básicos y abarrotes tales como Arroz, frijol, azúcar, aceite, jabón súper marfil, papel higiénico, sal, salsa jumbito, hace en polvo, pañales huggies y maseca.

Considera que este financiamiento le ayudara a mejorar su ingresos y al crecimiento de su negocio para poder ofertarle a su clientes variedad en sus productos.

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
  • $24,742,900
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Eddy Javier to purchase rice, beans, sugar, oil, Super Marfil soap, toilet paper, salt, ketchup, Ace powdered laundry detergent, Huggies diapers, and Maseca brand corn flour.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jan 31, 2013
Feb 11, 2013
Currency Exchange Loss:
Mar 18, 2014