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Ana Zulema
Ana Zulema is originally from the community of Los Zarzales in the municipality of El Jicaral. It is a community of some 30 houses located on the edge of a road where the majority of the inhabitants make their living in agriculture, through the goodness of the earth.

Ana Zulema was raised on a modest farm where she learned agricultural work from an early age. However, she also studied to be a teacher because she likes teaching reading and writing to children. Since that time more than 20 years ago, she has been offering classes to children in her community's small schoolhouse. On weekends she, her husband, and their four children engage in agricultural labor on their farm, which she inherited from her parents and where they harvest corn and beans.

Through some of her friends at work, she learned about the Kiva lenders who finance loans for poor people through CEPRODEL. She then came to the office to ask for a loan to buy agricultural supplies because the winter harvest season was coming and they wanted to harvest corn and beans. She hopes that her request will be approved so she can improve her economic situation because bringing these foods to market helps her economically.
View original language description ↓
Ana Zulema es originaria de la comunidad Los Zarzales del municipio de El Jicaral, es un caserío conformado por unas treinta casas ubicado a la orilla de la carretera donde la mayoría de sus habitantes se dedican a la agricultura por la bondad de la tierra.
Ana Zulema se crió en una finca humilde donde desde muy pequeña aprendió la labor de la agricultura pero también estudió la carrera de educación porque le gusta enseñar a leer y escribir a los niños. Desde entonces hace más de veinte años imparte clases a los niños de su comunidad en la pequeña escuela de dicho lugar.
Cabe mencionar que los fines de semana ella, su esposo y sus cuatro hijos se dedican a la labor de la agricultura en su finca la cual fue herencia de sus padres donde cosechan maíz y frijoles.
A través de unas compañera de trabajo se dio cuenta que hay unos inversionistas de kiva que financian créditos a las personas de escasos recursos a través de Ceprodel y por primera vez se presentó a dicha oficina con el objetivo de solicitar un crédito para la compra de insumos agrícolas ya que entró la temporada de invierno cuando es que se aprovecha para la cosecha y quieren cosechar maíz y frijoles.
Espera que su solicitud sea aprobada para mejorar su condición económica ya que con la comercialización de estos granos se ayudan económicamente.

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
  • 148
    View loans »
    Nicaragua Loans Fundraising
  • $24,071,325
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Ana Zulema to buy agricultural supplies.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 29, 2013
Jun 30, 2013
Currency Exchange Loss:
Jul 18, 2014