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Berenice Del Carmen
Berenice earns her living selling second-hand clothing. She is 22 years old and has three children, one of whom is in nursery school. Berenice has a clothing stall in the municipal market of San Rafael del Sur. She set up the business following her own initiative, and she earns enough from it to provide her children with their basic needs. She has had the business for two years.
She needs a loan in order to buy clothing in bulk, and so meet requests from her customers. She is a young person with a positive spirit of self-improvement, and is capable of growing as a micro-entrepreneur.
View original language description ↓
Doña Berenice es comerciante de ropa usada al detalle, a sus veintidós años tiene tres hijos, uno de ellos está en preescolar.
Tiene un punto de venta de ropa en el mercado municipal de san Rafael del sur, negocio que apertura por iniciativa propia con los que obtiene recursos económicos para atender a sus hijos en sus necesidades básicas.
Su negocio tiene dos años, y necesita de la colaboración económica para comprar una paca de ropa para atender unos encargos de sus clientes.
Es una joven con espíritu de superación personal, capaz de crecer como microempresaria.

Additional Information

More information about this loan

This loan is part of CEPRODEL's program for young Nicaraguans, ages 18 to 29, who belong to solidarity groups. Within these groups, everyone either works together on the same business or runs a separate small business. These loans are targeted to low-income clients with special focus on single women living in and around the city of Chinandega. For borrowers starting new businesses, CEPRODEL waives its requirement that recipients have over one year of experience in the field. CEPRODEL partners with an Italian NGO to offer a business training program for recipients. By supporting this loan, you are helping young entrepreneurs who have limited access to credit.


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
  • 93
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • 25.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Berenice Del Carmen to buy second-hand clothing to sell.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Mar 26, 2014
Apr 30, 2014
Currency Exchange Loss:
Jan 30, 2015