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Julio Cesar
Julio Cesar runs a small grocery store in his home where he sells staple foods such as: rice, oil, sugar, plantains, carbonated drinks, juices, Gatorade, and dairy products like milk, cream, and butter.

Before he started his business, he was a secondary school teacher. He retired and with the money he received in his settlement, he started a business. Later, he requested a loan from Ceprodel to add more products to his store.

Currently, Julio has noticed that there are not any places that make quick meals in his town. This inspired him to a dream of having a mobile food-cart to make meals such as: hot dogs, hamburgers, and french fries.

He is requesting this loan to buy the cart thereby acquiring a source of income and a better quality of life.

He is married; his wife currently works in a government center. They have four children, three of which are adults and have their own jobs and one who is still in school.
View original language description ↓
El señor Julio Cesar tiene un negocio de pulpería venta de granos básicos como: arroz, aceite, azúcar, plátanos, productos lácteos como leche crema, mantequilla, refrescos gaseosas, jugos, gatorade entre otros, ubicado en su casa de habitación.

Antes de tener este negocio Julio era profesor de secundaria se jubilo y con ese dinero que le dieron de liquidación inicio su negocio luego solicito un financiamiento a ceprodel para ingresar más productos a su negocio.

Ahora el señor Julio ha observado que en este municipio no hay lugares que realicen comidas rápidas y a él le nació el deseo de poder tener un carro móvil para hacer comidas rápidas como: hot Dog, Hamburguesas, papas fritas.
Solicito un financiamiento para poder comprar este carro y obtener otros ingresos y así tener mejores condiciones de vida.

Es casado su esposa trabaja actualmente en un centro estatal tiene cuatro hijos tres de ellos mayores de edad tienen su propio trabajo y una menor en edad escolar.

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
  • 44
    View loans »
    Nicaragua Loans Fundraising
  • $26,295,350
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Julio Cesar to buy a cart to sell ready-made meals.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 6, 2012
Nov 17, 2012
Currency Exchange Loss:
Jun 17, 2014