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Félix Arnulfo
El Sauce is a small town characterized by its agriculture and ecology; this is where Félix Arnulfo lives.

Félix Arnulfo has two children to care for; his wife works in a small grocery store. She helps with the family's daily expenses with the little bit that she earns.

Félix Arnulfo has his own business, which is a small leather workshop where he makes packsaddles, saddles, and halters, among other items that are important for showing horses in El Sauce.

For that reason, he applied for a loan to purchase tanned leather, cowhide strips, stirrups, saddle trees, acid, cords, and tulle. This purchase will be very important, because he will be able to make more saddles, which will be beneficial for the growth of his business. It will allow him to remain stable, with good income for his household.

He thanks the great and all-powerful lord that he learned of Kiva and Ceprodel, since it is a dream come true that they are financing the loan that will enable him to live in better conditions.
View original language description ↓
El Sauce, es un Pequeño Pueblo con muchas características agroecológica, es aquí donde habita la joven Félix Arnulfo.

Félix Arnulfo tiene 2 hijos bajo su cargo, su esposa trabaja en una pequeña pulpería, con lo poco que ella gana ayuda en el sustento diario de su familia.

Félix Arnulfo cuenta con su propia actividad donde consiste en una pequeña talabartería, labora albarda, monturas, cabezadas entre otros que ayuda de mucha importancia a la presentación de los caballos sauceños.

Por esta razón, se presentó para solicitar un crédito para la compra de: Baquetón, tiras de suelo, estribos, tejuelo, Acido, Nelina, Mecates y tules, esto será de gran importancia ya que podrá elaborar más albardas que le será útil para el crecimiento de su negocio le permitirá permanecer estable y con buenos ingresos en su hogar.

Agradece al gran Dios todo Poderoso, por haber conocido a Kiva y Ceprodel ya que son de sus sueños que estos le financien el crédito para poder vivir en mejores condiciones con 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
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Félix Arnulfo to purchase tanned leather, strips of cowhide, stirrups, saddle trees, acid, cords and tulle.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Mar 21, 2013
Apr 6, 2013
Currency Exchange Loss:
Jul 18, 2014