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Noel Hernesto
El Sauce is a village located between flowering mountains and mighty rivers. This represents a tourist potential that draws attention from visitors due to the flora and fauna of the place.

In this village was born and raised Noel Ernesto who is now 27 years old. He is the father of a child and studied teaching. Currently, he works as a primary school teacher in a region very far from the mentioned village. He has to get up at 5:00 am to be on time at the school. In order to travel, his mean of transportation is a motorcycle he bought with great effort because his salary hardly covers the household expenses. However, he gives thanks to God for having a job.

Now, he has the need to request a loan to buy spare parts to improve his motorcycle. Without it, it would be very difficult to travel to the area, because you can only go there by bicycle, motorcycle or horse.

He is requesting support to Kiva lenders to approve his application through Ceprodel so he will be able to carry out his investment.
View original language description ↓
El Sauce es un pueblo sumergido entre montañas florecidas y ríos caudalosos que es un potencial turístico que llama mucho la atención de sus visitantes por la naturaleza de su flora y fauna.
En este pueblo nació y creció el joven Noel Ernesto que hoy tiene 27 años, padre de un niño que estudió la carrera de magisterio.

Actualmente trabaja como profesor de primaria en una comarca muy lejana de dicho municipio donde se tiene que levantar a las 5 de la mañana para poder estar puntual en la escuelita. Para poder viajar cuenta con su medio de transporte la cual es una motocicleta que adquirió con gran esfuerzo, ya que su salario con costo alcanza para cubrir los gastos del hogar pero le da gracias a Dios por tener empleo.

En este momento tiene la necesidad de adquirir un préstamo para comprar repuestos para mejorar la motocicleta, ya que sin ella se le haría muy difícil viajar hasta esa zona donde solo se transita en bicicleta, moto o a caballo.

Pide el apoyo a los inversionistas de Kiva para que le aprueben su solicitud a través de Ceprodel y poder llevar a cabo su inversión.

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
  • 61
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Noel Hernesto to buy spare parts to fix his motorcycle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 8, 2013
Mar 12, 2013
Currency Exchange Loss:
Apr 16, 2014