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Ana Luz
Sra. Ana A.U. sells lottery tickets on an itinerant basis in the Israel Lewite market in Managua. Ana wants to use the loan to but lottery tickets.

Her business began when Ana started selling on foot in the market. Seeing that her sales were increasing she decided to sell “raspadita”, a lottery ticket in which the surface is scratched with a coin or key, and “chalupa” , another type of lottery ticket. She works each day from 8 in the morning until 6 in the evening.

She hopes that with this loan her business will grow more and, thus, have greater earnings.
Ana is a single mother with a daughter in university. This is the eighth loan that Ana has had with CEPRODEL. She has worked with CEPRODEL for 2 years. Ana says that her loans with CEPRODEL have helped her a lot. They are the reasons why her business has sustained itself and is on a more solid footing.

View original language description ↓
La Sra. Ana Aba U. vende lotería ambulante en el mercado Israel lewite Managua.
Ana va usar el crédito para comprar varios billetes de lotería.
Su negocio comenzó cuando Ana empezó a vender ambulante, viendo que las ventas estaban aumentando ella decidió vender lo que era la raspadita y la chalupa.
Trabaja cada día de 8 de la mañana hasta las 6 de la tarde.
Ella espera que con este financiamiento su negocio cresca mas y a si tener mas utilidades.
Ana es madre soltera y con una hija en la universidad.
Este es el octavo crédito que Ana ha tenido con CEPRODEL.
Ha trabajado con ceprodel 2 años.
Ana dijo que sus créditos con Ceprodel le han ayudado mucho por lo que su negocio se ha mantenido y este esta mas solido.

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
  • 57
    View loans »
    Nicaragua Loans Fundraising
  • $26,430,500
    Funds lent in using Kiva
  • 20.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Ana Luz the loan is going to be invested in the purchase of lottery tickets for resale.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Dec 18, 2009
Jan 9, 2010
Currency Exchange Loss:
Oct 12, 2010