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Rut Marina
Rut Marina is a 35-year old youth, single, and hailing from the municipality of El Sauce. She studied for a degree in education, because her whole life she dreamed about being a teacher and teaching primary school children to read and write.

She practices her profession in a school in the rural community of La Palma, 10 km from the municipality. Everyday she travels on bicycle in order to be on time to work. In spite of this sacrifice that she makes everyday in order to arrive at school in the sun and sometimes in the rain, she performs her work with care and enthusiasm.

At this time, she needs a loan for the reason she gave Ceprodel -- to pay for the modules for a university course on psychology that would help her in her work in the future. She hopes that Kiva approves her application so that she can meet her goal, and she will be grateful for this unconditional support, above all for people with few resources.
View original language description ↓
Rut Marina es una joven de 35 años, soltera, originaria del municipio de El Sauce, estudió la carrera de magisterio porque toda su vida soñó con ser maestra y enseñar a leer y escribir a los niños de primaria.

Ejerce su profesión en una escuela de la comarca La Palma a 10 km del municipio donde todos los días viaja en bicicleta para estar puntual en su centro de trabajo.

A pesar de este sacrificio que hace todos los días para llegar a la escuela debajo de sol y a veces lluvias ejerce su profesión con esmero y entusiasmo.

En este momento tiene la necesidad de un crédito por tal motivo se presentó a Ceprodel con el objetivo de solicitarlo para pagar los módulos de un curso universitario sobre psicología que le ayudará en un futuro en su trabajo.

Espera que Kiva apruebe su solicitud para poder cumplir su objetivo donde le agradecerá este apoyo incondicional sobre todo a las personas de bajo recursos.

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
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Rut Marina to pay for modules for a university course.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 6, 2013
May 13, 2013
Currency Exchange Loss:
Jun 17, 2014