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Himer Yosmany
Himmer is originally from San Rafael del sur, Nicaragua. They live in a district of the same municipality. He also has a grown daughter.

He has a small grocery store where he sells staple goods such as rice, beans, sugar, corn, wheat and dairy products like cheese, cream and milk. He also sells new clothing and flip flops. It's a small store but full of basic products for the home.

He has had two loans before which he has invested in his business. His partner works in the shop too. They are two young people who have known how to work hard and fight to have a better quality of life.

This client started his business with his savings and finance from Ceprodel. Now, his business has grown and he is happy with the support that he has been given thanks to Kiva and Ceprodel.
View original language description ↓
El Señor Himmer es originario de san Rafael del sur, Nicaragua, viven en una comarca del municipio. Tiene una hija menor de edad,Su actividad comercial tiene una pulpería donde vende todo lo que es granos básicos como el arroz, frijoles, azúcar, maíz, trigo, productos lacteos el queso, crema, leche entre otros, también vende ropa nueva variada y chinelas, es una pequeña venta pero surtida de productos básicos para el hogar.

Se le han financiado dos créditos los cuales los ha invertido en su negocio.
Su esposo igual que el atiende el negocio, son dos jóvenes que han sabido trabaja y luchar por la vida a tener mejores condiciones de vida.

Este cliente inicio su negocio con ahorro y un financiamiento de ceprodel ahora ya su negocio ha crecido y se siente muy contento por el apoyo que se le ha bridado gracias a kiva y ceprodel.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,406,150
    Funds lent in using Kiva
  • 24.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Himer Yosmany to buy trousers, t-shirts, shorts, socks, shoes, flip-flops and basic goods: rice, oil and sugar.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 26, 2013
Apr 9, 2013
Currency Exchange Loss:
Apr 16, 2014