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Bernarda lives in the department of Masaya. She is married. Her immediate family is made up of her husband and her three children. She is a merchant and has owned a business (a convenience store) for 15 years. The store has been her means of work and thanks to that business, she and her husband have moved their family ahead. She started the business with her own capital and she makes cash sales. Currently she needs to invest in the purchase of rice, oil, beans, corn, sugar, corn meal, instant soups and sauces, juices, Ivory soap, toilet paper, sardines and salt, among other items for her store. For this reason she went to the office of Kiva´s partner, Ceprodel to request a new loan, a loan that will allow her to better stock her convenience store. She needs to restock often, she comments, since hers is a business that always rotates inventory quickly.

She believes that the help that Ceprodel has provided her has played a big role in improving her business. She has received excellent service from Ceprodel and has succeeded in making her family more comfortable.
View original language description ↓
Doña Bernarda, reside en el departamento de Masaya, casada, su núcleo familiar lo conforman su esposo y sus tres hijos, ella es comerciante posee un negocio (pulpería) desde hace 15 años, el cual ha sido su medio de trabajo y gracias a eso ha sacado adelante a su familia junto con su esposo, comenzó con capital propio, las ventas que realiza son de contado. Actualmente esta necesitando invertirle al negocio en la compra de arroz, aceite, frijoles, maíz, azúcar, maseca, maggi, jugos, jabón marfil, papel higiénico, sardina, sal, entre otros. Por lo que se acerca a nuestra oficina ceprodel para solicitar un nuevo préstamo que le permita reabastecer más su pulpería. Ya que ella comenta que es un negocio que esta siempre en constante rotación.

Considera que esta ayuda que le da ceprodel le ha servido de mucho para mejorar su negocio, ha obtenido un buen servicio, y ha logrado dar una mejor comodidad a 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
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 23.5
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $850 helped Bernarda to buy rice, oil, beans, corn, sugar, corn meal, instant soups and sauces, juices, soap, toilet paper, sardines and salt, among other items.
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 18, 2012
Jun 9, 2012
Currency Exchange Loss:
Jul 9, 2012