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José Rubén
The young José Rubén is originally from an area on the outskirts of the munipality of El Sauce. He’s a security guard, which allows him to take home the daily bread and give his children the best he can.
As a responsible father, he fights day to day to be a better worker and meet his obligations. At this time, he is a requsting a loan to buy a motorcycle so he can get to work on time, as his home is far from the city.
He’s been working with Ceprodel for 4 years and has received 4 loans previousbsly, which have all benefitted his household.
He hopes and confides in God that his request will be approved so he can get himself to work.
View original language description ↓
El joven José Rubén es originario de una comarca aledaña al municipio de El Sauce, se desempeña como Guarda de seguridad, actividad que le permite llevar el pan de cada día a su hogar y darles lo mejor que puede a sus hijos.
Como padre responsable lucha día a día para ser cada día un mejor trabajador y cumplir con sus obligaciones por lo que en este momento necesita un crédito como complemento para adquirir una motocicleta con el fin de trasladarse a su centro de trabajo y llegar puntual, ya que su vivienda queda alejada de la ciudad.
Tiene cuatro años de trabajar con ceprodel donde le han otorgado cuatro créditos todos le han beneficiado en su hogar.
Espera y confía en Dios que su solicitud sea aprobada y poder adquirir este vehículo para trasladarse a su centro de trabajo.

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
  • 59
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,000
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped José Rubén buy a motorcycle.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Apr 27, 2012
May 22, 2012
Currency Exchange Loss:
Sep 17, 2013