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Ofelia Del Carmen
Ofelia del Carmen opens her business at exactly six o'clock in the morning, selling all kinds of clothing as well as fruit. She wraps up her workday at five o'clock in the evening. Her stand is located in a market in León where she does carries out her work to provide for her daughter, whom she loves so much.

The loan will be used to purchase top-quality products like ankle socks, underwear, boxer shorts, tee shirts, aprons, and blouses so that she can satisfy the needs of her customers, thereby increasing her sales; this will help her to improve her quality of life.

She feels grateful because she has taken out loans from Ceprodel previously and they helped her to increase her working capital so that she could buy her products at wholesale, allowing her to earn greater profits. With greater profits, she was able to improve living conditions for herself and her family.
View original language description ↓
La señora Ofelia del Carmen, inicia sus actividades a las 6 de la mañana en punto ofertando lo que es ropa de todo tipo, así como también frutas, finaliza sus labores a las 5 de la tarde. Su puesto está ubicado en un mercado de León donde realiza esta actividad para la mantención de su hija que tanto ama.

El crédito será utilizado para la compra de productos de mayor calidad tales como: tobilleras, blúmeres, bóxer, camisetas, delantales, blusas y así poder satisfacer las necesidades de sus clientes logrando incrementar sus ventas que le ayudaran a mejorar su calidad de vida.

Se siente agradecida porque anteriormente ha realizado créditos con Ceprodel y le han ayudado a incrementar su capital de trabajo y así comprar sus productos por mayor donde le ha permitido mayores ganancias y así ha logrado a mejorar sus condiciones de vida de ella y su familia.

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,045,725
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Ofelia Del Carmen to purchase socks, underwear, boxer shorts, tee shirts, aprons, blouses, linens, bedspreads, children's outfits, smocks, etc.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 23, 2013
Apr 7, 2013
Currency Exchange Loss:
May 17, 2014