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Ramón Sabas
Ramón Sabas V. E. is single and has two young children. He and his family have lived in the “La Florida” neighborhood for five years. He is an accountant and has been working as an auditor for the Chinandega city hall for the past six years. He tells us that he feels established with his family and his professional career, because it is helpful to the development of the city.

Ramon has been actively working with CEPRODEL for more than four years and has had three prior loans, which he has used to make improvements to his home and to resolve some family issues. He tells us that he is grateful because these loans are within reach and the interest rates are low.
View original language description ↓
Don Ramón Sabas V. E., es soltero tiene dos hijos menores de edad vive junto a su familia en el barrio la florida desde hace cinco años, es de profesión contador público trabaja en la alcaldía municipal de Chinandega desde hace seis años como auditor fiscal dice sentirse realizado en su familia y en su trabajo como profesional ya que es útil para el desarrollo de su municipio.
Don Ramón Sabas V. E. es cliente activo de CEPRODEL desde hace más de cuatro años con tres créditos cancelados y uno activo estos créditos los ha utilizado para mejoras de vivienda y resolver problemas familiares, dice sentirse agradecido ya que son créditos accesibles y con tasas de interés bajas.

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
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 21.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Ramón Sabas medicine.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 30, 2010
Sep 17, 2010
Currency Exchange Loss:
Sep 16, 2011