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Justina Adilia
Justina, 50, sells cheese, a business located in the market. Before having her business she worked as an itinerant cheese saleswoman for a merchant who was a cheese wholesaler; this is how she got experience with this food item. Motivated to start her own business, she rents a space where she started her own venture selling cheese at wholesale and retail. She’s improved as a micro-businesswoman but nevertheless needs a loan to increase sales volume with more product on-hand in the market. She’s a widow and has two children who help her with customer service in her business.
View original language description ↓
Doña Justina tiene 50 años de edad, su negocio es la venta de queso, negocio ubicado en el mercado.

Antes de tener su negocio era vendedora de queso de un comerciante que distribuía queso al por mayor adquiriendo así experiencia en este producto alimenticio.

Motivada a desarrollar su propio negocio personal alquila un tramo en donde inicia con esfuerzos propios su plan de negocios de vender queso al por mayor y al detalle.

Ella ha mejorado como microempresaria, sin embargo necesita de un préstamo para incrementar el volumen de sus ventas con mayor disponibilidad de productos en el mercado.

Su estado civil es viuda, tiene dos hijos que le colaboran en la atención al cliente en su negocio.

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
  • 40
    View loans »
    Nicaragua Loans Fundraising
  • $26,377,250
    Funds lent in using Kiva
  • 24.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Justina Adilia to buy quintals of cheese.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jan 14, 2013
Jan 23, 2013
Currency Exchange Loss:
Oct 17, 2013