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María Pamela
María Pamela is 30 years old and married with two children that are school-aged. Like all women in her region, she is hard-working and determined despite the fact that she couldn't finish her univerisity studies in veterinary medicine.

For the last five years, she has sold cosmetics and new clothes. She started the venture with money from her husband so that she could earn her own income.

She has a very busy day as she starts at five in the morning to get her two children ready for school. Then she goes by bicycle to visit possible buyers to show them her products. As summer is arriving, her clients are asking her for suitable clothes and creams so she needs more capital to be able to stock these products and satisfy her clients.

Therefore, she is requesting this loan from Ceprodel to buy blouses, trousers, flip flops, shorts, perfumes, lotions and sun blocks.

She trusts in God that the Kiva investors and Ceprodel will support her request so she can accomplish her objective and that they will keep helping poor people around the world.
View original language description ↓
María Pamela es una joven de 30 años, casada con dos hijos en edad escolar, como toda Sauceña trabajadora y luchadora a pesar de que no pudo terminar su carrera universitaria como médico veterinario se dedica desde hace cinco año a comercializar cosméticos y ropa nueva el cual inició con un pequeño capital que le dio su esposo con el fin de que generara sus propios ingresos.

Su día es muy agitado ya que empieza desde las cinco de la mañana para alistar a sus dos pequeños y llevarlos a la escuela, luego se dedica de manera ambulante en una bicicleta a visitar a sus posibles compradores y mostrar los productos que ofrece.

Dado la ocasión que se acerca la temporada de verano sus clientes le están demandando ropa y cremas acorde a esta temporada, por lo que necesita más capital para poder surtir de estos productos y satisfacer a sus clientes.

Por tal razón está solicitando un crédito a Ceprodel para comprar blusas, pantalones, chinelas, short, perfumes, lociones y bloqueadores solares.

Confía en Dios que los inversionistas kiva y Ceprodel apoyen su solicitud para poder llevar a cabo su ojetivo y sigan ayudando a tantas personas pobres de todo el mundo.

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
  • 43
    View loans »
    Nicaragua Loans Fundraising
  • $26,238,100
    Funds lent in using Kiva
  • 24.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped María Pamela to buy blouses, trousers, flip flops, shorts, perfumes, lotions and sun blocks.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 18, 2013
Feb 27, 2013
Currency Exchange Loss:
Mar 18, 2014