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Ms. Cristina F. has her own cosmetics business, which she kindly manages in her home in the municipality of Sandino City.

She started out by selling only a few products, but as the business has developed, she has managed to improve it thanks to the support in the form of loans that Ceprodel has given her. Because of their support, she has been able to manage her business very well. However, she is now experiencing the lack of funds needed to purchase merchandise. For this reason, she is once again seeking the support of Ceprodel in order stay in business.

View original language description ↓

La señora Cristina F. se dedica al negocio de venta de cosméticos el cual atiende muy amablemente en su casa de habitación en el municipio de Ciudad Sandino.

Inició su negocio ofertando pocos productos pero a medida que se ha venido desarrollando ha logrado mejorar su negocio y esto gracias al apoyo de los créditos que le ha brindado Ceprodel por lo que los ha sabido administrar muy bien. Hoy en día la necesidad que ella atraviesa es la ausencia de dinero para la compra de la mercadería. Por esta razón es que una vez más ella busca el apoyo en Ceprodel para continuar con su negocio.

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

  • $4,800
    Average annual income
  • 97
    View loans »
    Nicaragua Loans Fundraising
  • $24,800,300
    Funds lent in using Kiva
  • 19.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Cristina purchase cosmetics.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 6, 2008
Oct 22, 2008
Currency Exchange Loss:
Dec 15, 2009