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Margarita is the mother of two small children and she has worked in commerce for 16 years. Her current business is selling secondhand clothing in one of the markets in the city of León. She starts selling her merchandise to her clientele at 7:00 a.m. and finishes at 4:00 p.m., with the same schedule Monday through Friday. Once a week she travels to Managua to buy her merchandise and she does this work to support her children.

Margarita requested a loan from Ceprodel to increase her inventory with items such as clothing for both sexes, pants, tops, and t-shirts, among others. This will allow her to improve her sales by stocking her inventory with better-quality products, which will allow her to increase her income as well as improve her and her children's quality of life.
View original language description ↓
La señora Margarita, es madre de 2 hijos pequeños y se dedica al comercio desde hace 16 años, donde su negocio actual es la venta de ropa usada en uno de los mercados de la ciudad de León, ella inicia a ofertar el producto a su clientela desde las 07:00 am y finalizándolas a las 04:00 pm con el mismo horario de lunes a domingo, viaja 1 vez a la semana a Managua para la compra de su producto y realiza esta labor para la mantención de sus hijos.

Doña Margarita, solicito a Ceprodel un crédito el que utilizo para incrementar su inventario con productos tales como: ropa para ambos sexos, pantalones, camisas, camisetas, entre otros artículos; así lograr mayores ventas incrementando su inventario con productos de mayor calidad lo cual le permitirá obtener mayores ingresos al igual que un mejor nivel de vida junto a sus pequeños hijos.

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
  • 133
    View loans »
    Nicaragua Loans Fundraising
  • $24,060,850
    Funds lent in using Kiva
  • 26.0
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $775 helped Margarita to buy pants, tops, t-shirts, etc.
69% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 20, 2014
Jun 27, 2014
Currency Exchange Loss: