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Norma Etanislada
Norma Etanislada is from the town of El Sauce, where she has lived for many years. Her business is selling natural medicines, and she has been doing this for 14 years. It has allowed her to generate her own income for her needs, in the home where she and her husband live.

She is a decent woman, who has raised her children to be the same. They are now independent people who help their mother whatever way they can.

She has been working with Ceprodel for six years. She has been granted seven loans, all to supply the inventory of products she sells, and with which she attracts her customers because of her varied selection.

Now she needs a loan to buy shampoo, creams, ointments, weight-reducers and cough syrups, as these are the products that sell the best in her business and are in greatest demand, so she needs to invest more in them.
View original language description ↓
Doña Norma Etanislada es originaria del municipio de El Sauce donde ha vivido por muchos años, su negocio consiste en la venta de medicina natural la cual la tiene desde hace 14 años la que le ha permitido generar sus propios ingresos para el pan de cada día en su hogar donde habita solo con su esposo.
Es una señora de buenas costumbres que educó a sus hijos de igual manera los que ahora son personas independientes que le ayudan a su mamá en lo que pueden.
Tiene seis años de trabajar con Ceprodel donde le han otorgado siete créditos todos para surtir el inventario de productos que vende con lo que atrae a sus clientes por la variedad de los mismos.
Hoy en la actualidad necesita un crédito para la compra de champú, cremas, ungüentos, adelgazantes y jarabes ya que son los productos que más se mueven en su negocio y los de mayor demanda por lo que necesita invertir más en estos.

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
  • 56
    View loans »
    Nicaragua Loans Fundraising
  • $26,430,500
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Norma Etanislada to buy shampoo, creams, ointments, weight-reducers, and cough syrups.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Mar 31, 2012
Apr 21, 2012
Currency Exchange Loss:
Jul 17, 2013