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Martha Carolina
Martha Carolina is a mother to two children. She has worked as a teacher at one of the schools in the city of Leon for 11 years, giving the gift of knowledge to her students. She works from Monday to Friday, starting at 7:00am and finishing at 1:00pm. She does this type of work in order to support her family.

As well as working as a teacher, Martha sells cosmetics to her colleagues and to the general public. Accordingly, she has applied to CEPRODEL for a loan which she will use to purchase cosmetics, such as perfumes, nail polish, lipsticks, creams, shampoos, Vanidades [a magazine], etc.

She does this work in order to have a higher income and thereby improve her humble home. She dreams of her two children having a professional career.
View original language description ↓
La señora Martha Carolina, es Madre de dos hijos, se desempeña como profesora docente de unos de los colegios de la ciudad de león desde hace 11 años dando el pan del saber a sus alumnos realiza esta labor de lunes a viernes con horario 7:00 am y finaliza a las 1:00 pm. Ella hace este tipo de trabajo para llevar el sustento a su familia.

Doña Martha además de trabajar como docente vende cosméticos a sus compañeras labores y público en general, debido a este tipo de trabajo se presentó a Ceprodel a solicitar un crédito para ser utilizado en compra de cosméticos tales como: perfumes, pinturas de uñas y de labios , cremas, shampoo Vanidades, etc.

Ella realiza estas labores para tener más ingresos y lograr así mejorar su humilde vivienda. La señora sueña que sus dos hijos coronen una carrera profesional.

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
  • 96
    View loans »
    Nicaragua Loans Fundraising
  • $24,742,900
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Martha Carolina to purchase perfume, nail polish, lipstick, creams, shampoo, and Vanidades [a magazine].
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 18, 2013
Apr 15, 2013
Currency Exchange Loss:
May 17, 2014