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Rosa Idalia
Rosa Idalia C. Z. sells goods such as pants, blouses, underwear, perfumes, paintings and corduroy in various areas of the Estelí department, mainly in its municipalities like Condega and San Juan de Limay and Pueblo Nuevo.

Rosa Idalia will use the loan to purchase and sell goods in the above mentioned areas. Her business started by selling perfumes in San Juan de Limay. Her business has grown since her husband suggested to her that they sell clothes in other areas and well as perfumes. Rosa is a street vendor, she has not established her business in a fixed place but it has worked very well. She goes out selling three times per week. Previously she farmed with her husband.

Rosa hopes that the loan will work well since sales have been rising to date and she believes that she will earn a greater income. She is married and has a 4 year old daughter, and she works together with her husband. Her parents don't live with her and she has her own house where she lives with her family. This is her sixth loan with Ceprodel and the first she has been given for trade since the others were for farming where she told us that she was grateful to Ceprodel for the services that they have given her since they have helped her to improve her living conditions, her business and her income.
View original language description ↓
La señora Rosa Idalia C. Z. vende mercadería como pantalones, blusas, ropa interior, perfumees, pinturas y panas en distintos sectores del departamento de Estelí principalmente en sus municipios como Condega y san Juan de Limay y pueblo nuevo.

Rosa idalia utilizara el crédito para la comprar y vender la mercadería en los sectores ya mencionados su negocio comenzó vendiendo perfumees en san Juan de Limay y su negocio creció ya que su esposo le propuso que se dedicaran a vender ropa en otros sectores además de perfumees. Rosa es una vendedora ambulante no tiene establecido su negocio en un lugar estático pero le va muy bien ella sale a vender tres beses a la semana ella antes se dedicaba a la agricultura con su esposo.

Rosa espera que con el crédito le baya muy bien ya que las ventas suben para esta fecha y cree que tendrá mayores ingresos, ella es casada y tiene una hija de 4 años trabaja junto con su esposo, sus padres no viven con ella y tiene su casa propia donde vive con su familia. Este es el sexto crédito que tiene con Ceprodel y el primero que se le da para comercio ya que los otros eran para agricultura donde nos dijo que se encuentra agradecida con Ceprodel por los servicios que se le han dado ya que le han ayudado a mejorar sus condiciones de vida mejorando su negocio y sus ingresos.

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
  • 61
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 20.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Rosa Idalia pURCHASE GOODS FOR SALE.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Dec 22, 2009
Jan 9, 2010
Currency Exchange Loss:
Mar 15, 2011