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Zulema De Los Ángeles
Zulema has a gym and sells gym services. She has owned and operated this business for 2 years. She studied business administration and had the idea of starting a small business so that she could earn an income and help pay her family's expenses.

She now needs $417 so that she can buy an exercise machine in order to offer better service to her customers. Before starting this business, she studied business administration at the university. She is a single woman and lives with her mother.
View original language description ↓
Estimados señores de kiva, doña Zulema tiene un negocio donde brinda servicio de gimnasio, actividad comercial que tiene dos años de estar funcionando.
Ella estudio la carrera de administración de empresas, y por iniciativa propia tuvo la idea de crear su propia microempresa, en donde obtiene ingresos para solventar los gastos familiares.
Actualmente necesita la suma de $417, para comprar una máquina para realizar ejercicios, con la que pretende ofrecer un mejor servicio a sus clientes.
Antes de poner su negocio ella estudiaba en la universidad administración de empresas.
Su estado civil es soltera, y vive con su mama.

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
  • 62
    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 $450 helped Zulema De Los Ángeles to buy exercise machines and to remodel the gym.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 26, 2012
Nov 11, 2012
Currency Exchange Loss:
Dec 21, 2013