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María Lourdes
María Lourdes is mother to eight children, all of whom are now adults. She has run a grocery store from her home for the last ten years. She runs the store so she can afford the upkeep of her home.

She starts work from 5am to give her clients a variety of different products and finishes as late as 9pm. She works these hours from Monday to Sunday.

She will use the loan she is asking Ceprodel for to buy cosmetics, clothing and shoes and by so doing will increase her sales, now that the busy period is approaching, and will therefore have more income to improve her standard of living.
View original language description ↓
La señora María Lourdes, es madre de ocho hijos de los cuales ninguno está a su cargo, posee una pulpería en su casa de habitación desde hace diez años, ella se dedica a esta actividad para la mantención de su hogar.

Ella inicia sus labores desde las 5:00 am para ofrecerles a sus clientes las variedades de diferentes productos y finaliza hasta las 9:00 pm este horario lo ejerce de lunes a domingos.

El crédito que está solicitando a Ceprodel lo utilizara para comprar cosméticos, ropa y calzado y así aprovechar las ventas ya que se aproxima buena temporada para sus ventas, y así tener mayores ingresos para mejorar su nivel de vida.

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
  • 49
    View loans »
    Nicaragua Loans Fundraising
  • $26,293,200
    Funds lent in using Kiva
  • 24.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped María Lourdes to buy cosmetics, clothing and shoes.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
May 17, 2013
Jun 20, 2013
Currency Exchange Loss:
Mar 17, 2014