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Mercedes Mafalda
Mercedes Mafalda is the mother of three children. She has worked as a teacher in one of the schools in the city of León for more than five years, giving the gift of knowledge to her students. She carries out this work to provide for her family.

In addition to working as a teacher, Mercedes sells cosmetics to her coworkers and the general public. Because of this work, she approached Ceprodel to request a loan to be used to purchase cosmetics like perfumes, nail polish, creams, shampoo, compacts, etc.

Mercedes does this work in order to have more income and attain a better standard of living for herself and her family, since she dreams of educating her three children.
View original language description ↓
La Señora Mercedes Mafalda es Madre de tres hijos y se desempeña como profesora docente de unos de los colegios de la ciudad de león desde hace mas de 5 años dando el pan del saber a sus alumnos, ella realiza esta labor para llevar el sustento de su familia.

Doña Mercedes además de trabajar como docente vende cosméticos a sus compañeras labores y público en general, debido a este tipo de trabajo se presentó a Ceprodel a solicitar un crédito para ser utilizado en compra de cosméticos tales como: perfumes, pinturas de uñas y de labios , cremas, shampoo Vanidades, etc.

Ella realiza estas labores para tener más ingresos y lograr un mejor nivel de vida de ella y la de su familia, ya que sueña con la preparación de su tres hijos.

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
  • $26,296,575
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Mercedes Mafalda to buy perfumes, nail polish, lipstick, creams, shampoos, and compacts.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Mar 22, 2013
Apr 13, 2013
Currency Exchange Loss:
Jul 18, 2014