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Ofelia Del Carmen
Ofelia del Carmen has a retail clothing business in one of the markets in the city of León. She has been doing this to take care of her family. She arrives at her post at 5am to exhibit her products such as, sheets, women's and men's underwear, bedspreads, men's and women's shirts, to all of the customers that arrive from neighborhoods and communities in the countryside. She travels two times a week to the city of Managua to purchase her merchandise. She is currently applying for a loan, which she will directly invest in purchasing more underwear, baby clothing, t-shirts, sheets, and bedsheets. After getting the loan, she will be able to improve her earnings and stock her business with a variety of products and be able to improve her quality of life and that of her family. Mrs. Ofelia del Carmen is very grateful to Ceprodel since they have already helped her grow her business and be able to get ahead with her family, offering them a better education for her daughter. Her dream is to finish the construction on her home.
View original language description ↓
La señora Ofelia del Carmen posee un negocio de venta de ropa en uno de los mercados de la ciudad de León, ella realiza esta labor para llevar el sustento a su familia.

La señora Ofelia se traslada a su puesto de trabajo desde las 5:00 am. Para exhibir sus productos como sabanas, ropa interior para damas y caballeros, colchas, camisas de varón y mujer a todos sus clientes que llegan de los barrios y comunidades aledaña, viaja dos veces por semana a la ciudad de Managua a comprar su mercadería.

Actualmente está solicitando un crédito, el cual invertirá directamente en la compra de ropa interior, ropa para bebe, camisetas, sabanas, colchas. Al obtener dicho crédito espera mejorar sus ganancias y surtir su negocio con productos variados de esta manera mejorar la calidad de vida propia y la de su familia.

La señora Ofelia del Carmen está muy agradecida con Ceprodel ya que le ha ayudado a crecer en su negocio y poder salir adelante con su familia brindándole una mejor educación y formación a su hija. Sus sueños son terminar de construir su vivienda.

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
  • $26,429,900
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Ofelia Del Carmen purchase underwear, baby clothing, t-shirts, sheets and bedspreads.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Oct 10, 2012
Oct 20, 2012
Currency Exchange Loss:
Feb 15, 2013