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Eliodoro, 40, lives in the town of Chichigalpa in the western part of Nicaragua, known for sugar cane and distillery. It is one of the hottest places in Nicaragua.

Three years ago he was diagnosed with an illness. He has worked since childhood cutting sugar cane. He has 4 children in primary school and his wife helps him with a small business that they subsist on, because after being diagnosed with this illness, in spite of being a young man, he doesn't get hired so that owners can avoid his medical costs.

He gets up at 5am every day to do his daily chores and then begins his sales. He also kills pigs once a week to get money from selling their meet, skin and other derivatives.

The loan will be used to cover familial costs and invest in the business. Eliodoro thanks CEPRODEL and Kiva because through these loans he is improving his family's quality of life.
View original language description ↓
El señor Eliodoro tiene 40 años de edad. Vive en el municipio Chichigalpa, un lugar en el oeste de Nicaragua, conocido por su producción de caña de azúcar y licorera. Es uno de los lugares más caliente de Nicaragua.

Desde hace tres años le fue diagnosticado con una enfermedad, el trabajo desde su niñez en corte de caña de azúcar.

El mantiene 4 hijos que aun estudian la primaria y su esposa quien la apoya en su pequeño negocio de subsistencia; Ya que al ser diagnosticado con esta enfermedad, a pesar de ser un hombre joven no lo contratan para evitar gastos médicos.

El se levanta a las 5 de la mañana todos los días a realizar sus labores cotidianas y posteriormente se dedica a la venta, además el mata cerdos una vez por semana para obtener ingresos en la comercialización de la carne, piel y su derivados de los cerdos.

El destino del crédito es para cubrir gastos familiares e invertir en el negocio.

El señor Eliodoro agradeciendo a CEPRODEL y Kiva ya de esta manera está mejorando su calidad de vida y la de su familia.

Additional Information

More information about this loan

This loan is part of CEPRODEL's program to lend to individuals who suffer from work-related health problems.  These individuals are frequently rejected for loans by microfinance institutions due to poor health and low income. CEPRODEL is offering loans to these clients and their families for a range of purposes, including working capital to help them start or grow small businesses. For borrowers starting new businesses, CEPRODEL waives its requirement that recipients have over one year of experience in the field. Given the relatively higher risk of lending to these borrowers, CEPRODEL would not be able to offer these loans without the flexible, risk-tolerant capital provided by Kiva lenders.

Please note that the faces of CEPRODEL borrowers may be blurred in an effort to avoid safety risks and to maintain their privacy.


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
  • 53
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Eliodoro to sell ropes, cords and plastics.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 14, 2012
Nov 18, 2012
Currency Exchange Loss:
Jun 17, 2014