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Juana Del Carmen
Ms. Juana del Carmen has been a small businesswoman in the town of El Sauce for many years, where she sells a variety of clothing, shoes, and cosmetics.

Her quality of life has improved, thanks to this business, and she has prepared her children for professional careers, as well as having her home in s state that provides her with great satisfaction. Ceprodel has contributed to this development in large part, though the loans they have granted, allowing her to acquire merchandise to meet her customer demand. This provides her with great earnings.

At the moment Ms. Juana is in need of working capital to invest into her business. Now that the school season in our country is approaching, her customers have requested shoes, school uniforms, and school supplies. She is asking for her seventh loan so that she can meet her customer demand and continue her efforts to succeed. She is a woman of great courage and enthusiasm.
View original language description ↓
La señora Juana del Carmen tiene muchos años de ser una pequeña comerciante del municipio de El Sauce donde ofrece a sus clientes variedad de ropa, zapatos y cosméticos.

Gracias a esta actividad ha mejorado su calidad de vida ya que ha preparado a sus hijos profesionalmente, al igual que su vivienda con todas sus condiciones lo que le da gran satisfacción porque en gran parte Ceprodel le ha contribuido a este desarrollo con sus créditos que le ha otorgado para adquirir mercadería y así satisfacer la demanda de sus clientes lo que le genera mayores ganancias.

En estos momentos doña Juana tiene necesidad de capital para invertir en su negocio ya que se aproxima la temporada de inicio de clases en nuestro país por lo que sus clientes le realizan pedidos de zapatos, uniformes colegiales y útiles escolares, por tal razón está solicitando su séptimo crédito para satisfacer la demanda de sus clientes y de esta forma continuar en sus esfuerzos de superación ya que ella es una mujer de mucho coraje y entusiasmo.

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
  • 34
    View loans »
    Nicaragua Loans Fundraising
  • $26,398,725
    Funds lent in using Kiva
  • 23.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Juana Del Carmen to increase her inventory to meet her customer demand.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jan 24, 2012
Feb 9, 2012
Currency Exchange Loss:
Sep 17, 2013