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Audeliz Ivania
Dear lenders,

Audeliz is a business woman selling cosmetics as well as phone card replenishments for the companies Claro and Movistar. She has been in this field for seven years. Before beginning her business she was a middle school student, and in order to contribute economically to her household she decided to begin her own business with the help of her mother.

Currently she is pursuing a college degree in accounting, and she plans to also continue to develop her commercial activity. She is single and with high potential for socio-economic growth. However, she needs a loan in order to grow as a business woman and to meet the demands of her customers. With her loan she will purchase cosmetics like perfume, creme, lipstick, and make-up, and she will also purchase recharge cards for Claro and Movistar.
View original language description ↓
Estimados señores, la señora Audeliz es comerciante de cosméticos en general y recargas de las compañías claro y movistar desde hace siete años.
Antes de poner su negocio era estudiante de secundaria, y para contribuir económicamente a su hogar decide poner su propio negocio con el apoyo de su mama.
Actualmente estudia una carrera técnica en contabilidad, y se proyecta en desarrollar su actividad comercial.
Sin embargo necesita un financiamiento para crecer como comerciante y atender la demanda de sus clientes.
Su estado civil es soltero y con un alto potencial de crecimiento socioeconómico.

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
  • 56
    View loans »
    Nicaragua Loans Fundraising
  • $26,430,500
    Funds lent in using Kiva
  • 24.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Audeliz Ivania to purchase cosmetics like perfume, creme, lipstick, and make-up, as well as phone cards for Claro and Movistar.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 18, 2013
Feb 23, 2013
Currency Exchange Loss:
Sep 17, 2013