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Yareisi Maria
Yareysi is a young merchant who has lived in the Condega municipality for 22 years. Condega is located 35 km to the north of the city of Estelí. This young woman is happily married and has no children. She lives in her own home with her husband, who grows vegetables.
She is a merchant and has a business in her home selling second-hand American clothing to the general public. She sells varied clothing for men, women, and children. She has had her business for over four years, so it is well-known. This helps with demand.
This client came to Ceprodel's offices to request a loan for the wholesale purchase of packs of used American clothing; it will be bought at a good price. She will then re-sell it in her business at a good price and make more money from it.
This is the fifth time that she has requested a loan from Ceprodel with the goal of increasing her inventory of merchandise and, as a result, increasing her income.
She is requesting a loan because her income is not sufficient to buy the products on her own.
She has previously chosen Ceprodel loans for her business. She is grateful because they have helped her business to grow and expand. The impact has been positive and she hopes that this next loan will be approved and her business and income will improve.
View original language description ↓
Yareysi es una joven comerciante que reside en el Municipio de Condega desde hace 22 años, ubicado a unos 35 km al norte de la ciudad de Estelí. Esta joven de que esta felizmente casada y sin hijos vive en su casa propia junto a su esposo que se dedica a la producción de hortalizas.

Esta joven es comerciante y tiene un negocio en su casa de habitación las que es la venta de ropa americana de segunda la que es ofrecida al público en general. Ella vende ropa variada para niños adultos, damas y caballeros, ella tiene su negocio desde hace más de 4 años por lo que es un negocio reconocido lo que le ayuda en la demanda del producto que ofrece.

Esta clienta se presento a las oficinas de Ceprodel para solicitar un financiamiento para la compra de pacas de ropa americana de segunda al por mayor a un buen precio para después ser revendidas en su negocio a un buen precio y obtener ganancias de ella.

Esta es la quinta ves que ella solicita un financiamiento en Ceprodel con el objetivo de aumentar el inventario de mercadería que ella ofrece y por ende aumentar sus ingresos.

Ella solicita el financiamiento ya que los ingresos que ella capta no son lo suficiente como para poder comprar el producto por cuenta propia.

En ocasiones anteriores ella a optado a créditos en Ceprodel para asistir este mismo rubro y ella se muestra agradecida ya que le a ayudado a crecer en su negocio e ir ampliando. El impacto a sido positivo y espera que este próximo crédito le sea aprobado y así seguir mejorando su negocio y sus ingresos también.

Additional Information

About CEPRODEL

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $23,621,150
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Yareisi Maria to buy packs of second-hand clothing for resale.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Apr 30, 2013
Listed
May 13, 2013
Currency Exchange Loss:
Possible
Ended:
Jul 18, 2014