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Ninoska Del Carmen
Ninoska del Carmen C. Perez is an active employee of the company named Enacal Carazo and she works as an accounts receivable analyst. She has four years working for this company. She is married and she has two school-aged children. She has had two past loans with Ceprodel (Kiva Field Partner) and each one has been used to purchase construction materials such as sand, cement, rocks, gravel, and construction blocks, etc., to expand and improve their home. The loans from Ceprodel have been a great help because she has been able to improve her quality of life and that of her family.
View original language description ↓
La Sra. Ninoska del Carmen C. P. ella es trabajadora activa de la empresa de Enacal Carazo desempeñándose como Analista de Cobranza tiene cuatros años de trabajar para esta institución es casado actualmente tiene dos hijo en edad escolar. Ha tenido dos créditos con CEPRODEL y cada uno los ha realizado para la compra de materiales de construcción como Arena, Cemento, Piedra, Piedrín, Bloques etc. Para ampliar y mejorar su casa de habitación, los cuales los créditos con ceprodel le ha beneficiado en gran manera ya que de esta manera ella ha mejorado su condición de vida de ella y su familia.

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,768,275
    Funds lent in using Kiva
  • 22.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Ninoska Del Carmen to purchase construction materials.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Jan 25, 2011
Feb 3, 2011
Currency Exchange Loss:
Nov 8, 2012