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Julia Esperanza
This woman has been a merchant for 6 years in the Chinandega market. Her activity is selling fresh and dried fish, shrimp, oysters, etc. She is a woman who works hard to get ahead Monday through Saturday from five in the morning until four in the afternoon. Her two children depend on her; they are in secondary school. Little by little, she has improved her quality of life, but she dreams of finishing construction on her house and giving her whole family a better quality of life with a lot of hard work. She is very grateful for the loans that we have offered her because hse feels that her business has grown and so have her earnings.
View original language description ↓
La señora es comerciante desde hace 6 años del mercado de Chinandega, su actividad es venta de pescado fresco y seco, camarón, conchas etc. Es una señora que se esfuerza por salir adelante vende de lunes a sábado desde las cinco de la mañana hasta las cuatro de la tarde, de ella dependen dos hijos que están estudiando la secundaria, poco a poco ha mejorado su calidad de vida pero ella sueña con terminar de construir su vivienda y darles una mejor condición a toda su familia con mucho esfuerzo, se siente bastante agradecida con los financiamientos que le hemos brindado ya que ella siente que su negocio ha venido incrementando y sus ganancias .

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
  • 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 $625 helped Julia Esperanza to buy fish and shrimp.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Oct 22, 2012
Nov 20, 2012
Currency Exchange Loss:
Feb 15, 2013