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Petrona Del Carmen
Petrona is a widow and has a family of four, including herself and her three daughters, who are adults and live on their own. She is originally from the department of Masaya. She is 62 years old and has worked selling national lottery for twenty years. She does so as a street vendor in the Masaya area. She has regular customers, because when her husband passed away he left her his customers also. She goes out to work Monday through Saturday and sets her own schedule. She says she has always enjoyed making her own money, so she will keep doing what she enjoys for as long as God allows her.

Currently only one of Petrona's daughters has come to live with her because she decided to keep her company so that she didn't have to live alone. She says she wants to make some improvements to her home, which is very deteriorated, and do some remodeling.

Her dream is for her family to have better living standards and to have a decent roof over their head. That is why she has come to our Ceprodel office, to request a loan so that she can buy the materials she needs to remodel her home.
View original language description ↓
Doña Petrona es viuda, con un núcleo familiar de 4 personas, ella y sus tres hijas, mayores de edad e independienteses originaria del departamento de Masaya, tiene la edad de 62 años, es comerciantes desde hace 20 años en la venta de Lotería nacional; Vende de forma ambulante en el sector de Masaya, posee su propia clientela ya que también a raíz que fallecio su esposo le dejo sus clientes, sale a vender de lunes a sábados, maneja su propio horario de trabajo, manifestando que ella siempre le ha gustado tener su dinero propio por lo que hasta cuando Dios le de vida siempre seguirá haciendo lo que a ella le gusta.

Doña Petrona actualmente solo una de sus hijas se quedo viviendo con ella, y desidio hacerle compañía para que no estuviera sola, conversa que quiere realizar unas mejoras en su vivienda y que esta muy deteriorada y quiere hacerle unas remodelaciones.

Cabe mencionar que los sueños de ella es tener un mejor nivel de vida para su familia, y tener un techo digno.
Por lo que se presenta a nuestras oficinas Ceprodel para solicitar un préstamo el cual pueda comprar los materiales necesarios para la remodelación de su casa.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Nicaragua

  • $4,800
    Average annual income
  • 60
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Petrona Del Carmen to purchase zinc and cement and pay for labor.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 12, 2012
Oct 18, 2012
Currency Exchange Loss:
Sep 17, 2013