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Gloria Del Carmen
Gloria del Carmen owns a used clothing and shoe store located near the bus terminal in the city of Leon. She leaves her house at 6:30am and opens her store at 7am closing it at 6pm. She does this job, 5 years now, to help her husband support the family.

Gloria is requesting this loan to buy bales of clothing and shoes in different styles, to buy merchandise in the city of Managua twice a week and to offer all her clients, at a very early hour, a variety of products with her assistance and that of her 20-year-old daughter.

With Christmas approaching, Gloria went to the office of Ceprodel to apply for a loan to supply her business with new products of better quality and thus taking the opportunity to meet the needs of her customers. Gloria’s dream is for her business to continue growing.
View original language description ↓
La Señora Gloria del Carmen, es dueña de una tienda de ropa y zapatos usados ubicada cerca de la terminal de buses en la ciudad de León sale de su casa a la 6:30 am y abre su negocio a las 7:00 am cerrándolo a las 6:00 pm, realiza este trabajo para apoyar a su esposo en el sustento de su familia desde hace 5 años.

Doña Gloria está solicitando este crédito para comprar Pacas de ropa y zapatos de diferente estilo, compra su mercadería en la ciudad de Managua dos veces por semana, ofrece desde muy temprana hora a toda su clientela la variedad de productos la que atiende con su Hija de 20 años de edad.

Doña Gloria debido a que se aproxima la navidad se acercó a la oficina de Ceprodel a solicitar crédito para surtir su negocio con nuevos productos de mejor calidad y así aprovechar la ocasión y satisfacer la necesidad de su clientela, los sueños de Doña Gloria son que su negocio siga creciendo.

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
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $1,050 helped Gloria Del Carmen to buy bales of clothing and shoes in different styles.
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 31, 2012
Nov 10, 2012
Currency Exchange Loss:
Dec 10, 2012