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Julio Cesar
Julia Cear is a merchant. He has a grocery store in his house where he sells basic household necessities.

He also has a cart from which he sells fast foods like pizza, hot dogs, and hamburgers.

He is married and has four adult children and one school-aged child under his care. His wife works; she has worked for 25 years.

The money he is requesting is for the purchase of staple grains and dairy products.

He expressed that he feels very good about working with Ceprodel and Kiva because he has seen the growth in himself as a person and in his family. He has a better quality of life thanks to Kiva, which has financed all his requested loans; he invested those loans in his house and his business.
View original language description ↓

El Señor Julio Cesar es Comerciante tiene una pulpería en su casa de habitación venta de productos necesario y básicos para el hogar.

Además tiene un carro de venta de comidas rápidas, como pizza, hot dog, hamburguesas.

Es casado tiene cuatro hijos mayores de edad uno a su cargo en edad escolar. Su esposa trabaja, tiene veinte y cinco años de laborar.

El dinero lo solicita para compra de granos básicos y productos lácteos.

expresó sentirse muy bien trabajar con ceprodel y kiva porque ha visto su crecimiento como persona y el de su familia, tiene una mejor calidad de vida gracias a kiva que le ha financiado todos los créditos solicitado y los ha invertido en su casa y su negocio.

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
  • 63
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $1,025 helped Julio Cesar to purchase staple foods: rice, sugar, beans, oil, and dairy products like cheese, cream, and milk.
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 10, 2013
Jun 3, 2013
Currency Exchange Loss:
Jul 3, 2013