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Ana Concepción
Ana Concepción is from the town of El Sauce, a town surrounded by the flowery mountains and fast flowing rivers that make the landscape a tourist attraction.

She graduated with a teaching degree and now she practices her profession with diligence and dedication. She has more than twenty years experience.

She had four children. Three of them are under her responsibility. They go to college and despite earning so little, she and her husband make a big effort and limit themselves in many things so they can reach their goal of seeing their children be well prepared for their careers.

In order to improve the kitchen in her home, since it is winter and water is flooding it, she is asking for a loan for the first time from Ceprodel. She heard of some investors called Kiva who support the people who are most in need and who are of low income. That is her case because they only have her salary.

With this loan, she intends on buying bricks, cement, sand, zinc sheeting and to pay for labor costs.

She hopes and trusts in God that her application will be approved so that she can carry out her investment plan.
View original language description ↓
Ana Concepción es originaria del municipio de El Sauce, un pueblo rodeado de montañas florecidas y ríos caudalosos que hacen del paisaje un atractivo turístico.

Se graduó como profesora de primaria y actualmente ejerce su profesión con esmero y dedicación donde tiene más de veinte años de experiencia.

Tuvo cuatro hijos tres de ellos a su cargo los cuales estudian en la universidad y a pesar de ganar tan poco ella y su esposo hacen gran esfuerzo y se limitan de muchas cosas para lograr su objetivo de ver a sus hijos preparados profesionalmente.

Con el fin de mejorar la cocina de su vivienda, ya que entró la temporada de invierno y el agua inunda dicha cocina está solicitando por primera vez un crédito en Ceprodel ya que escuchó que hay unos inversionistas llamados Kiva que apoyan al más necesitado y de escasos recursos y tal es su caso porque solamente cuentan con su salario.

Con este crédito pretende comprar ladrillos, cemento, arena, zinc y pago de mano de obra.
Espera y confía en Dios que su solicitud sea aprobada para poder cumplir su plan de inversión.

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
  • 130
    View loans »
    Nicaragua Loans Fundraising
  • $24,054,525
    Funds lent in using Kiva
  • 25.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Ana Concepción to buy bricks, cement, zinc sheeting, sand, and to pay for labor.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
May 16, 2013
Jun 3, 2013
Currency Exchange Loss:
Sep 17, 2014