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José Tomás
José Tomás is a young man who is 37 years old and single. He studied a Degree in Spanish at university. He is from a small community located 6km from El Sauce town.

At present he works as a secondary school teacher, giving Spanish classes in one of the local schools in the El Sauce area, where he has been working for over ten years.

Every day he cycles the 10 km from his home to the school. Bicycle is the mode of transport he uses to get to school on time.

He is an enterprising young man who wants to improve on a daily basis and get ahead academically. For this reason he is requesting a loan from the Kiva investors who, through Ceprodel, can grant the payment of a university course that he would like to complete. His purpose in doing the course is to develop his career.

He is sure that with this finance he will be able to pay for the course which will greatly benefit his professional profile. He hopes that the kind-hearted investors will respond to his request. He will be very grateful for their assistance.
View original language description ↓
José Tomás es un joven de 37 años, soltero, que estudió la carrera de Licenciatura en Español, originario de un caserío ubicado a 6 km del municipio de El Sauce.

Actualmente se desempeña como profesor de secundaria impartiendo el área de español en la escuela de una comarca de dicho municipio donde tiene más de diez años de laborar.

Diario recorre en bicicleta la cual es su medio de transporte 10 km de su casa hasta la escuela para estar puntual en dicho centro.

Es un joven emprendedor que quiere cada día superarse y salir adelante en cuanto a su nivel académico, por eso está solicitando un crédito a los inversionistas de Kiva para que a través de Ceprodel le otorguen para el pago de un curso universitario que quiere realizar con el fin de actualizarse más en cuanto a su carrera.

Está seguro que con este financiamiento podrá pagar este curso que será de gran ayuda para su perfil profesional. Espera que estos inversionistas de buen corazón financien su solicitud donde quedará muy agradecido.

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
  • 73
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped José Tomás to pay for a university course.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Mar 19, 2013
Mar 23, 2013
Currency Exchange Loss:
Jul 18, 2014