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Yessenia Del Carmen
The young Yessania del Carmen works in one of the markets in the city of León. She leaves her house at 5am and starts distributing products to other sellers at 5:45. She finishes at 4pm and buys her stock from suppliers who visit her at her stall. She is mother to a 3 year old boy and does this type of work to help her husband with household costs.

She started her business by selling plastic bags in small quantities on a mobile basis. Now she has been selling disposable products in a permanent stall for the last 5 years.

She will use the loan that she is requesting from Ceprodel to buy plastic bags, straws, plates, cups and disposable spoons which has attracted more clients. It has also increased her sales and profits which have improved her business.

Her dream is to manage to have her own home as she lives with her family.
View original language description ↓
Yessenia del Carmen, es comerciante de uno de los Mercados de la ciudad de León, Sale de su casa de habitación a las 5:00 am inicia a las 5:45am a distribuir su producto a las demás comerciante, finalizando a las 4:00 pm, compra su mercadería a proveedores que la visitan en su puesto de venta. Ella es madre de un hijo de 3 años de edad, realiza este tipo de trabajo para ayudar a su esposo en los gastos del hogar.

Inicio su negocio de forma ambulante con venta de bolsas plásticas en pequeña cantidad actualmente vende productos desechable en un puesto fijo y realiza esta labor desde hace 5 años.

El crédito que solicita a Ceprodel lo utilizara para la compra de bolsas plásticas, pajillas, platos, tazas, cucharas desechables, lo que le ha Permitido atraer más clientela e incrementando las ventas y ganancias para una mejorar su negocio

Los sueños de la Joven son de lograr a tener su propia vivienda ya que habita en casa familiar.

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
  • 47
    View loans »
    Nicaragua Loans Fundraising
  • $26,238,100
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Yessenia Del Carmen to buy plastic bags, straws, plates, cups and disposable spoons which has attracted more clients.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Nov 24, 2012
Jan 1, 2013
Currency Exchange Loss:
Jul 17, 2013