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Marcia Lorena
Marcia Lorena is from the town of El Sauce. She has her own household which consists of her two children and her husband. They live in their own home. Marcia Lorena works as an elementary school teacher in a school in the town and has many years experience.

This is the first loan that Marcia Lorena has requested from Ceprodel and she will use it to pay university expenses and buy materials for her son with the aim of him finishing his professional training and becoming an upstanding citizen. She decided to take out a loan as her small salary will not stretch far enough to cover this.
View original language description ↓
La Sra. Marcia Lorena es originaria del municipio de El Sauce, tiene su propio hogar conformado por sus dos hijos y su esposo donde habitan en su propia vivienda, se desempeña como maestra de educación primaria en una escuela de la localidad con muchos años de experiencia.
Es el primer crédito que solicita en Ceprodel para pagar gastos universitarios y comprar materiales para su hijo con el fin de llegar a formarlo profesionalmente como un hombre de bien, es por esta razón que decidió optar por este crédito ya que con su pequeño salario no da para cumplir con esta necesidad.

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
  • 60
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 22.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Marcia Lorena to pay university expenses.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Aug 19, 2011
Oct 1, 2011
Currency Exchange Loss:
Feb 15, 2013