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Alma Nidia
El Sauce is a hot town located in the west of León Department surrounded by flower-covered mountains and mighty rivers that make the place attractive to tourists. Alma Nidia lives there. She’s a 45-year-old teacher who has more than 20 years’ experience teaching. This profession has made it possible for her to own a house and with her husband’s help has been able to educate her two daughters. She currently works as an elementary school teacher at a local school.

She’s asking for a loan to pay her daughter’s university fees; she’s recently finished her course work at the university aimed at earning her professional degree. Like a responsible mother, she wants to leave her daughters an inheritance consisting of a university career so they can fend for themselves in life.

This is why she’s asking for a loan in order to reach this goal because the low salaries common in Nicaragua prevent many dreams from coming true. She trusts that Kiva lenders through Ceprodel will finance this loan so she can reach her dream of seeing her daughters become professionals.
View original language description ↓
El Sauce es un pueblo caluroso que queda al occidente del departamento de León rodeado de montañas florecidas y ríos caudalosos que hacen del lugar un atractivo turístico.

El él habita Alma Nidia, una profesora de 45 años que se ha dedicado más de veinte años al magisterio, profesión que le ha permitido tener su propia vivienda con la ayuda de su esposo y preparar a sus dos hijas.
En la actualidad imparte clases de primaria a niños de un colegio de la localidad.

Está solicitando un crédito para pagar módulo universitario de su hija la que acaba de terminar las clases de la universidad con el fin de obtener su título universitario como profesional.
Como madre responsable quiere dejarles como herencia a sus hijas una carrera universitaria para que se defiendan en la vida.

Por tal motivo solicita este crédito para llevar a cabo esta inversión, ya que con los bajos salarios que se gana en Nicaragua no se pueden cumplir muchos sueños.

Confía que los inversionistas de Kiva a través de Ceprodel le financiarán este crédito para poder cumplir su sueño de ver preparadas profesionalmente a sus hijas.

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
  • 94
    View loans »
    Nicaragua Loans Fundraising
  • $24,742,900
    Funds lent in using Kiva
  • 24.5
    Nicaragua Cordobas (NIO) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $750 helped Alma Nidia to pay her daughter's university fees.
99% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Mar 7, 2013
Mar 12, 2013
Currency Exchange Loss:
Jul 18, 2014