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José Javier
Young José Javier lives in the city of Managua and has worked as a cashier in a business for three years. He lives with his parents and can be characterised as a responsible and honest young man with a strong will to complete his universities studies.

José is applying for a loan to make a down-payment on a motorcycle that he is going to buy. He thinks the motorcycle is necessary for going between his home, work and university.

José is grateful to Kiva and Ceprodel as he has used previous loans for his studies.
View original language description ↓
El joven José Javier vive en la cuidad de Managua trabaja en una empresa como cajero desde hace tres años vive con sus padres se caracteriza por se un joven responsable, honesto, tiene muchos deseo de culminar su carrera universitaria.

José está solicitando un crédito para el adelanto de una motocicleta que va a comprar ya que lo considera necesario para trasladarse de su casa a su trabajo y a su centro de estudios.

José Javier agradece mucho kiva y ceprodel porque con los crédito anteriores los ha utilizado para sus estudios.

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
  • 24.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped José Javier to invest in buying a motorcycle.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 11, 2013
Mar 15, 2013
Currency Exchange Loss:
Feb 21, 2014