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Carlos Fernando
Carlos Fernando is from the town of El Sauce. He is the father of school-aged children. He studied a career in Tourism, and currently works as the head of Dance and Culture for a private institution that helps low-income children. He has worked there for several years.

He works with patience and dedication because it is his passion to teach dance to those children of different ages who form dance groups that participate in different activities. Above all they dance to folk music that is typical and traditional to Nicaragua.

In his work they require that he has a university degree in order to get a better salary. For that reason, he is asking the Kiva lenders to finance him through Ceprodel to process his degree and have a better social level for him and his family.
View original language description ↓
El joven Carlos Fernando es originario del municipio de El Sauce, padre de familia de dos niños en edad escolar. Estudió la carrera de Turismo, actualmente se desempeña como Responsable de Danza y cultura para una Institución privada que ayuda a los niños de escasos recursos donde tiene varios años de laborar.

Ejerce su trabajo con paciencia y dedicación porque es lo que le apasiona enseñar a bailar a estos niños de diferentes edades donde forma grupos de danzas que participan en distintas actividades sobre todo bailan la música de Folklor que es lo típico y tradicional de Nicaragua.

En su trabajo le solicitan como requisito que tiene que tener el título universitario para optar a tener un mejor salario, por tal razón está solicitando a los inversionistas de Kiva que le financien un crédito a través de Ceprodel para tramitar dicho título y tener un mejor nivel social tanto para él como para 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

  • $3,636
    Average annual income
  • 150
    View loans »
    Nicaragua Loans Fundraising
  • $24,077,475
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Carlos Fernando to pay to process his university degree.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 8, 2013
Apr 15, 2013
Currency Exchange Loss:
May 17, 2014