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Victoria Del Carmen
Victoria del Carmen is a 52-year-old, single woman, mother of three children two of which are still in her care and attending university; she also has a school-age grandson. She’s spent most of her life teaching at a municipal elementary school in El Sauce.

She’s a tenacious woman who in addition to working in this profession also makes and sells food in the city’s stadiums on the weekend in order to earn extra income to be able to cover everything needed for her children’s university education so they can become professionals.

She’s currently requesting a loan to buy a washing machine to save time because her income is insufficient to pay for a domestic employee to do her housework and she has to split her time between working, cooking, washing, ironing clothes and buying a washing machine is a way of saving time. She hopes the loan will be financed through Ceprodel because this is the only alternative she has given the low salaries in Nicaragua.
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Victoria del Carmen es una mujer de 52 años, soltera, madre de tres hijos de los cuales dos de ellos a su cargo estudiando en la universidad y un nieto también en edad escolar, se ha dedicado la mayor parte de su vida a impartir clases de primaria en un colegio del municipio de El Sauce.

Es una mujer luchadora que además de dedicarse a esta actividad elabora y vende comida en los estadios de dicho municipio los fines de semana todo con el objetivo de obtener ingresos para pagar y dotar de todo lo necesario para sus hijos en la universidad con el fin de que lleguen a ser unos profesionales.

Hoy en la actualidad está solicitando un crédito para comprar una lavadora, para ahorrar tiempo ya que con sus ingresos no cubre para pagar una empleada doméstica que le haga los quehaceres del hogar por lo que ella aun trabajando tiene que dividir su tiempo para cocinar, lavar, planchar ropa y comprando una lavadora es una forma de ahorrar tiempo.

tiene esperanza que le financiarán este crédito a través de Ceprodel para adquirir este bien, ya que es la única alternativa de hacerlo porque los salarios en Nicaragua son muy bajos.

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

  • $3,636
    Average annual income
  • 115
    View loans »
    Nicaragua Loans Fundraising
  • $23,737,400
    Funds lent in using Kiva
  • 24.5
    Nicaragua Cordobas (NIO) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $700 helped Victoria Del Carmen to buy a washing machine.
99% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 7, 2013
Listed
Mar 12, 2013
Currency Exchange Loss:
Possible
Ended:
Sep 17, 2014