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Francisco Javier
Francisco Javier, 46, is married and has four children in his care who are all school age; they are all from the city of Estelí located in northern Nicaragua. He currently works as a security agent and his salary is used for household expenses. Despite his family obligation, Francisco is studying; he’s in the first year of Business Administration. He attends night classes every day and he’s noted for being a man who is very forward-thinking and well disposed towards getting ahead and reaching his goal of completing his higher education and graduating.

The loan he’s asking Ceprodel for is to pay for his university courses because he needs to pay enrollment and monthly tuition fees for the coming academic term. Francisco thanks Ceprodel and Kiva because it will be possible to continue with his higher studies and reach his dream of becoming a professional.
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Francisco Javier de 46 años de edad casado con cuatro hijos a su cargo todo en edad escolar, todos originario de la ciudad de Estelí ciudad ubicada en el norte de Nicaragua.
Actualmente se desempeña como agente de seguridad, su salario lo destina para los gasto del hogar.

A pesar de compromiso familiar y su edad Francisco está estudiando, cursando el primer años de administración de empresa lo estudio lo realiza diario en horario de la noche, se caracteriza por ser una persona con mucha visión y con buen ánimo de salir adelante y lograr su meta de culminar sus estudio superiores y poder graduarse.

El crédito que solicita a ceprodel es para gastos de estudios universitarios ya que necesita pagar la matrícula y pago de mensualidad del próximo año lectivo.

Francisco agradece a ceprodel y a kiva ya que a si sera posible continuar con sus estudios superiores y poder realizar su sueños de ser un profesional.

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
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,377,250
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Francisco Javier to pay enrollment fee and monthly tuition.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Nov 14, 2012
Dec 5, 2012
Currency Exchange Loss:
Nov 17, 2013