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Carmen Patricia
Carmen is originally from Masaya, she is 41 years old and has been in business 16 years, selling National lottery tickers. She inherited the business from her parents since they were also in the same kind of sales. She is looking for a way to improve her situation because she already owns a small business selling cosmetic products and other personal products. She sells at different locations in Masaya like Catarina and Granada in order to give her family a better quality of life. She is a single mother who is in charge of two children. She is the one who needs to take care of her home, but she is proud of her family and doesn't feel she is missing anything.
One of her main goals is to improve her home since the roof is deteriorating and she needs to replace it. This is why she is applying for a loan with Ceprodel, she will use it to purchase zinc sheets, iron, rafters and pay for the labor. Carmen is happy to be able to obtain these things and in this way improve her home's level of comfort and be able to give a better quality of life to her children.
View original language description ↓
Carmen, es originaria del departamento de Masaya, tiene la edad de 41 años, comerciantes desde hace 16 años, en la venta de lotería Nacional. Esto lo tiene como herencia de sus padres ya que se dedicaban a este mismo oficio. Ella también busca la manera de sobresalir ya que también posee un pequeño negocio de venta de productos cosméticos y de uso personal.Sus puntos de ventas son fuera de Masaya como Catarina, Granada, esto para brindarle una mejor condición de vida a su familia. Madre soltera y tiene a su cargo dos hijos. ella es la que tiene que llevar el sustento a su hogar; Pero que se siente orgullosa de que su familia no les falte nada.

Uno de sus principales reto es mejorar su vivienda ya que el techo lo tiene deteriorado y necesita cambiarlo por ese motivo solicita a Ceprodel un préstamo con el que pueda comprar zinc, hierro 3/8, perlin, y también pagar la Mano de obra de los que le harán el trabajo.
Carmen se siente alegre del logro que obtendrá ya que de esta manera mejorara la comodidad de su hogar y les dara una mejor calidad de vida a sus hijos.

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
  • 74
    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 $800 helped Carmen Patricia to purchase zinc sheets, iron, rafters and labor.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Oct 27, 2012
Currency Exchange Loss:
Jun 17, 2014