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Julia Yamileth
Julia S., 34, has been a merchant for the past 4 years. Prior to getting her business she was studying cooking and peddled prepared food. Today, she is in commerce and has a grocery store in Chinandega's municipal market, which is where she's from. She sells all kinds of grains, canned goods, milk, sauces, etc. She got this business because it used to be her mother's. She has a partner and two, school-age children.

Julia has collaborated with Ceprodel for 5 years now; she has used all her loans to invest in her business because this has helped her have a better standard of living.
View original language description ↓
La señora Julia S. tiene la edad de 34 años, es comerciante desde hace 4 años, antes de obtener el negocio era estudiante de cocina y a la vez vendía comida ambulante, hoy en día se dedica al comercio y tiene una pulpería en el mercado municipal de Chichigalpa de donde ella es originaria, vende todo lo que es granos, enlatados, leche, salsas, etc. Este negocio lo obtuvo porque anteriormente era de su mamá, esta acompañada y tiene 2 hijos que están en la edad escolar.
Doña Julia trabaja con Ceprodel desde hace 5 años y todos sus créditos han sido para invertir en su negocio, ya que esto le ha permitido mantener un mejor nivel de vida.

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
  • 75
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 21.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Julia Yamileth to buy basic grains and canned goods.
100% repaid
Repayment Term
4 months (Additional Information)
Repayment Schedule
Feb 20, 2010
Mar 1, 2010
Currency Exchange Loss:
May 15, 2010