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Martha Lorena
Martha Lorena has a business selling cosmetics and jewellery in one of busiest markets in the city of León.

Martha begins work early in the morning, at 6.30am, to offer her customers a variety of cosmetics and jewellery. She returns home at 5pm to relax. Martha works these same hours seven days a week.

Martha is applying for a loan from "Ceprodel" in order to buy cosmetics, jewellery, purses and handbags. This will generate a higher income and improve both her and her family's quality of life.
View original language description ↓
La señora Martha Lorena posee un negocio de venta Cosméticos y bisuterías, ubicadas en unos de los más populosos mercados de la ciudad león.

Ella inicia sus labores muy de mañana a las 6:30 am para ofrecerles a sus clientes las variedades de productos cosméticos y bisuterías a su clientela retirándose a hogar alas 5:00 pm para descansar, horario que lo ejerce de lunes a domingos.

El crédito que esta solicitando a Ceprodel será utilizado para compra de cosméticos, bisuterías, bolsos y carteras lo cual le genera mayores ingresos mejorando así el nivel de vida de ella y su familia.

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
  • 53
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Martha Lorena to buy cosmetics, jewellery, purses and handbags.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 15, 2013
Jun 15, 2013
Currency Exchange Loss:
Dec 21, 2013