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Señora Martha is a hard-working woman. She has made and sold tortillas and cooked beans daily, every day of the week, from 5:00 am to 2:00 pm for 35 years.
She started her business with her own money. Loans have helped her greatly since she has obtained a greater income and been able to get ahead, along with her daughter, bit by bit.
With this loan, she will purchase corn and beans by the quintal. She used to buy from closer locations but it didn't work out.
Her previous loan allowed her to maintain a stock and to avoid having to stop working; therefore, she kept her clients. For this reason, she is grateful for this opportunity and hopes that this new loan is authorized.
View original language description ↓
La señora Martha es trabajadora, luchadora que hace tortillas y vende frijoles cocidos diario de lunes a domingo de las 5 am a 2 pm en su casa desde hace 35 años.

Ella lo empezó con su negocio dinero propio. El crédito le ha favorecido en mucho ya que a obtenido mayores ganancias, poco a poco a salido adelante con su hija.

Con el crédito que solicita comprara maíz y frijoles por quintales ya que antes compraba en las ventas cercanas y no le resultaba.

con el crédito anetrior le ayudo a mantener materia prima y no parar de trabajar conservando asi, a sus clientes. por ese motivo agradece la oportunidad y espera le sea otorgado este nuevo crédito.

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,756,600
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $175 helped Martha to buy corn and beans by the quintal.
100% repaid
Repayment Term
4 months (Additional Information)
Repayment Schedule
Mar 5, 2013
Mar 6, 2013
Currency Exchange Loss:
Jun 18, 2013