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Tomas De Jesús
Tomas de Jesús has lived in the Department of Masaya, known as City of Flowers, for 49 years. He’s married and his children are all now independent; his only dependent is his nephew who he adopted when he was little.

Tomas has a grocery store that he manages alongside his wife. Between the two of them they’ve been getting ahead; the store is located at home. He also goes out to sell lottery tickets; he’s been a sales agent for 24 years and this helps too. When he’s not at the store it’s because he’s out selling lottery tickets and his wife stays at the store.

He comments that he does not like being idle and at his age still very much wants to get better at what he does. He approached the Ceprodel office to request a loan that will make it possible for him to fill an order. He has customers from the countryside and that’s where most of his clientele is concentrated and he wants to take advantage of the fact that they buy from him at wholesale. He states that he’s very grateful for Ceprodel’s services since interest rates are very low and this is why he likes working with Ceprodel when it’s about loans.
View original language description ↓
En el departamento de Masaya llamada ciudad de las flores, reside el señor Tomas de Jesús, desde hace 49 años, casado actualmente solo esta a cargo de un sobrino que adopto desde pequeño ya que sus hijos se independizaron.
Don Tomas posee su negocio de una pulpería, este lo administra a lado de su esposa, entre los dos han salido adelante ya que también aparte de este negocio que lo tiene ubicado en su casa, también sale a vender lotería el es funcionario de ventas desde hace 24 años y también de ahí se ayuda, cuando el no esta en la venta es porque se encuentra vendiendo la lotería y la esposa se queda en el negocio.

Comenta que el no le gusta estar sin hacer nada para la edad que tiene se siente con muchas ganas de seguir superándose en lo que el le gusta. Se acerca a nuestra oficina Ceprodel para solicitar un préstamo que le permita cumplir con un pedido, posee clientes que pertenecen del campo y ahí es donde tiene mas concentrado su clientela y quiere aprovechar porque es al por mayor que le compran sus productos. Manifiesta que el esta agradecido con nuestro servicio ya que los intereses son muy bajos y que por eso le gusta trabajar con nosotros en lo que a préstamo se refiere.

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
  • 30
    View loans »
    Nicaragua Loans Fundraising
  • $26,398,725
    Funds lent in using Kiva
  • 23.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Tomas De Jesús to buy stock merchandise for his store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 18, 2012
Aug 28, 2012
Currency Exchange Loss:
Sep 17, 2013