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Ana Victoria
Ana has a bakery where she makes a large variety of breads like simple bread, empanadas, picos (a kind of bread made with sugar and soft cheese) and toast, among other things. She has been doing this activity for years and has her husband's support. She learned this trade in a private bakery. They distribute the product in different areas of San Rafael del Sur, Managua, using a truck. In recent months, her demand has increased significantly, which is why she needs more working capital to meet her customers' orders, and financial support to make more bread. She is a hard-working and honest person. She has four direct employees at her business, likewise benefiting four families.
View original language description ↓
Doña Ana tiene una panadería donde produce una gran variedad de pan como pan simple, empanadas, picos, pan tostado, entre otros.
Tiene muchos años de dedicarse a esta actividad comercial y cuenta con el apoyo de su esposo, oficio que aprendió de una panadería particular.
El producto lo distribuyen en su camioneta en diferentes comunidades de la ciudad de san Rafael del sur, Managua.
Su demanda ha tenido un significativo crecimiento en estos últimos meses, por lo que necesita mayor capital de trabajo para hacer frente a los pedidos de sus clientes, y necesita del apoyo financiero para producir más pan.
Es una persona trabajadora y honesta, y en su negocio genera cuatro empleos directos, beneficiando de igual forma a cuatro familias.

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
  • 112
    View loans »
    Nicaragua Loans Fundraising
  • $24,828,400
    Funds lent in using Kiva
  • 24.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Ana Victoria to buy flour.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 12, 2013
Feb 24, 2013
Currency Exchange Loss:
Sep 17, 2013