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Sharmy Rebeca
Sharmy lives in Catarina (which is also known as one of the Pueblos Blancos), a municipality in Masaya. She is a 29-year-old business woman. Her nuclear family includes her husband, her little boy and herself.

Sharmy started her business three years ago. Originally, she sold bread and chilled items, but then she saw the opportunity to make a good living from hand-crafted items. So she started selling those, too, with good results. She also has a small store in her home where she sells refreshments.

She buys her products from the municipalities of Nandasmo and San Juan de Oriente, which is where the the crafts are made. To sell her products, she travels to the provinces of León y Managua, where she relies on her established customers in the principal markets of those cities.

She says that she enjoys working as an entrepreneur, since she has always wanted to make it on her own. She considers herself a success. She is looking for a way to keep her customers happy and to also have a good life for her family. She has requested a loan from Ceprodel in order to buy small and large ceramics, vases, toys and dishware.
View original language description ↓
La señora Sharmy, reside en Catarina también conocido como uno de los pueblos blancos, municipio del departamento de Masaya. Tiene la edad de 29 años, de oficio comerciante, su núcleo familiar lo componen su esposo, su pequeño hijo y ella.

Sharmy inicio su negocio hace tres años originalmente consistía en la venta de pan y fresquito, al ver que le iba bien comenzó a llevar productos de artesanía y le dio buenos resultados, también tiene en su casa una pequeña venta de refrescos naturales.

Sus compras las realiza en los municipios de Nandasmo y San Juan de oriente, que es donde se elabora la artesanía. Para ofrecer sus productos ella viaja a los departamentos de león y Managua, del cual cuenta con sus propios clientes fijos pertenecientes a los principales mercados esas ciudades, y del cual les mantiene sus pedidos.

Ella manifiesta que le gusta ser una persona emprendedora ya que ha tenido siempre el deseo de ir prosperando en lo que ella se propone, considera que lo ha logrado.

Busca la manera de mantener siempre sus clientes satisfechos, también poder tener una mejor condición de vida con su familia.

se presento a Ceprodel con el propósito de solicitar un crédito para la compra de cerámica pequeña, cerámica grande, jarrones, jugueteras y comedor.

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
  • $26,418,100
    Funds lent in using Kiva
  • 24.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Sharmy Rebeca to buy small and large ceramics, vases, toys and pieces for dining.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jan 10, 2013
Jan 17, 2013
Currency Exchange Loss:
Mar 17, 2014