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Mariana Del Carmen
The beautiful, enchanting city of Acuapa is known for its agriculture, commerce and livestock-farming, as well as its Nicaraguan cultures. It is in the department of León, where Mariana del Carmen lives.

Mariana del Carmen, 48, is married and has two children. Her husband is a farmer and barely able to cover daily household expenses. She works as a teacher and helps cover the children's education costs.

Mariana del Carmen is in need of a loan from Kiva and Ceprodel which she will pay back over a 12-month period. She plans to buy cement, sand, and bricks to improve the roof of her house. She claims the only way she can do this is with financing from Ceprodel and Kiva.

She is in good health, loves her work and adores her children, who she wants to grow up in better conditions. She can only do this through a loan from Kiva and Ceprodel.

"I thank God for having given me good health and for having sent me to Ceprodel and Kiva; hopefully they continue to give me a helping hand so I can carry out my activities."
View original language description ↓
En Achuapa una bella y encantadora ciudad donde se dedica a la agricultura, el comercio y la ganadería, además de poseer estos lindos rubros también se dedica a las culturas Nicaragüenses, está ubicada en el departamento de León, es aquí donde habita Maríana del Carmen.

Maríana Del Carmen se llama la mujer de 48 años de edad, cuyo marido es agricultor y apenas cubre el sustento diario, con el salario que ella gana como profesora, cubre los gastos de estudios de sus dos hijos.

Mariana del Carmen necesita un financiamiento de Kiva y Ceprodel para pagarlo a un plazo de 12 meses para la compra de Sementó, Arena y Ladrillo, para la mejora de su vivienda, no se le han podido cumplir sus deseos de vivir en un mejor techo, ella comenta que estos deseos solo se le pueden hacer realidad con un crédito que le financie Ceprodel y Kiva.

De momento solo cuenta con su buena salud, su amor al trabajo y su eterno amor a sus hijos donde sueña con verlos vivir en mejores condiciones, todo esto solo se lo puede cumplir a través del crédito que le financie Kiva y Ceprodel.

"Agradezco a Dios como primera instancia por haberle dado una vida saludable y por haber encontrado a Ceprodel y Kiva, para que estos le sigan dando su mano amigable y poder desarrollar en sus actividades"

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Mariana Del Carmen to buy cement, sand and bricks.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 31, 2012
Nov 11, 2012
Currency Exchange Loss:
Dec 21, 2013