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José Miguel
El Sauce,is a beautiful town located in the district of León, where many entrepreneurs live. This is where José Miguel lives.

José Miguel who is nicknamed "el joven" [the youngster] is 34 years old. He is fighting for his and his families' life. He sells and buys dairy products.

He comments that he can get things for his home not only by his income, but also through loans financed by CEPRODEL and Kiva.

For this reason he is asking for his first loan to buy a TV and with the little he earns he will be able to repay on a monthly basis.

He is appreciative of the people that help with these type of loans who always think of poor people with low incomes, to give them the opportunity to get ahead in their lives.
View original language description ↓
El sauce un bello Municipio ubicado en el departamento de León, donde existen muchas personas emprendedoras, es aquí donde vive el joven José Miguel.

José Miguel se llama el Joven de 34 años edad Luchador por su vida y la de su familia, se dedica a la compra y venta de productos lácteos.

comenta que sus cosas del hogar no solo las puede tener con sus ingresos sino que también las puede obtener a través de un crédito que le financie ceprodel y Kiva para este tipo de actividad, por tal razón solicito su primer financiamiento para la compra de un televisor y con lo poco que el gana podrá ir pagando con cuotas mensuales.

Agradece a este tipo de personas que ayudan con crédito y que siempre piensan en las personas pobres y de bajos ingresos de darle la oportunidad de poder salir adelante en su vida.

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
  • 75
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 24.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped José Miguel to buy a TV.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 20, 2013
Apr 4, 2013
Currency Exchange Loss:
Mar 5, 2014