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Rosa Bertilda
View original language description ↓
Mrs. Bertilda M. runs a store selling cosmetics and clothes out of her humble home in San Rafael in Managua. She started the business with little merchandise but over time, she has been able to fill her display cabinets and offer all types of cosmetics and clothing for men and women.

She is now looking for a loan from Ceprodel in order to purchase additional merchandise to sell in her store. She is a faithful customer, having repaid all her previous loans on time and according to the rules of the institution.

Translated from Spanish by Scott Crandall, Kiva Volunteer.

La señora Bertilda M. se dedica al negocio de venta de cosméticos y ropa en su humilde casa de habitación en la ciudad de Managua específicamente en el municipio de San Rafael. Inició en el negocio con poca mercadería pero a medida que el tiempo ha venido transcurriendo ha logrado llenar sus vitrinas y ofrecer todo tipo de cosméticos y también ropa para caballeros y damas.

Hoy en día ella ha buscado el apoyo en Ceprodel para ser beneficiada con un crédito con el cual comprar de sus proveedores la mercadería para luego ofrecerla a sus clientes en su sector de habitación. Actualmente es una fiel cliente habiendo cancelado todos sus créditos en tiempo y forma de acuerdo a lo establecido en la institución.

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
  • 57
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 19.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Rosa Bertilda purchase of merchandise.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Jul 23, 2008
Jun 15, 2008
Currency Exchange Loss:
Oct 21, 2009