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Rosa María
Rosa lives in the city of Masaya, known as the City of Flowers. She is twenty-nine years old, is a tradeswoman, and her family is made up of her husband and two young daughters who are both studying in primary school.

Her business consists of a small trade in selling carbonated beverages and other products, like men's, women's and children's clothing. She began this business with a little capital and with the purpose of contributing to her home's income; the family had grown with two daughters and her husband's work was not enough to maintain the entire family.

Presently, the girls are of school age and their education demands a larger expense for the family. The carbonated beverages she orders are delivered to her house when the distributer company passes by, and the buying that she does for her clothing sales is done in the Eastern market, which is located in the city of Managua; she has to travel to get there. She recently decided to additionally make lunches in order to grow her income, and she is attracting clients.

For these reasons, she needs to invest in her business; this is why she is requesting financing that will help her with the demand of her store.
View original language description ↓
Doña Rosa reside en la cuidad de Masaya, conocida también como cuidad de las flores, con 29 años de edad, comerciante, su núcleo familiar lo componen su esposo y dos niñas menores de edad estudiantes de primaria.

Su negocio consiste en una pequeña venta de gaseosas y otros productos como ropa de varón, de mujer y niños.
Este negocio lo inicio con un pequeño capital y con el propósito de colaborar con los ingresos del hogar ya que la familia había aumentado con las dos niñas y con solo el trabajo de su esposo no alcanzaba para el sustento de toda la familia.

en esto momentos ya las niñas están en edad escolar y su educación demanda mayor gasto para la familia. La compra de la gaseosas se la entregan en su casa, pasa la empresa distribuidora y la compra para la venta de ropa las realiza en el mercado oriental, cuidad de Managua a la que tiene que viajar

Actualmente decidió adicionalmente elaborar almuerzos para mejorar sus ingreso y esta captando clientes por lo que en estos momentos necesita invertirle a su negocio por lo que esta solicitando un financiamiento que le ayude con la demanda que es esta teniendo.

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
  • 45
    View loans »
    Nicaragua Loans Fundraising
  • $26,238,100
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Rosa María to buy personal-size Coca Cola bottles, Big Cola in 360mL bottles, Big Cola in 500mL bottles, Coca Cola in 500mL bottles, Coca Cola in liter bottles, women's and men's pants, varied women's blouses, unisex children's outfits, and men's shirts.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Feb 26, 2013
Mar 7, 2013
Currency Exchange Loss:
Feb 17, 2014