Update on Alma NidiaAlma Nidia is originally from the municipality of El Sauce in the west of the León department of Nicaragua. Alma has lived there all of her life: she is married and has two daughters who depend on her financially; one of Alma's daughters is studying at university.
Alma is a primary school teacher at a local school; she has been practising this profession for over 20 years.
Alma is very grateful to Kiva and Ceprodel for the support provided through loans. As a result of these loans, Alma now enjoys a higher quality of life and lives a decent life with her family.
Alma is now applying for a loan to buy medicines and to pay for medical appointments, tests, and transport costs. She has been ill and wants to get better so that she does not miss work. She really needs her job in order to take home an income.
Alma hopes that Kiva investors continue to support many poor families in Nicaragua.
Se desempeña como maestra de primaria en un colegio de la localidad donde tiene más de veinte años de dedicarse a esta profesión.
Se siente muy agradecida con Kiva y Ceprodel por el apoyo que le han brindado con los créditos que le han financiado, ya que hoy su casa tiene mejores condiciones donde su familia vive dignamente.
En este momento Alma Nidia está solicitando un préstamo para la compra de medicamentos, pago de consultas médicas, realización de exámenes, pago de transporte, ya que ha estado mal de salud y quiere mejorar para no estar faltando a su trabajo, ya que necesita mucho del trabajo para llevar el sustento a su hogar.
Espera que estos inversionistas le sigan apoyando como a muchas familias de escasos recursos de Nicaragua.
Previous Loan DetailsEl Sauce is a hot town located in the west of León Department surrounded by flower-covered mountains and mighty rivers that make the place attractive to tourists. Alma Nidia lives there. She’s a 45-year-old teacher who has more than 20 years’ experience teaching. This profession has made it… More from Alma Nidia's previous loan »
About CEPRODELThis 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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