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Isolina Del Carmen
Isolina del Carmen, 21, is an enterprising young woman. She's single and has no children. She lives in her parents's house in a region of Chinandega. She studies accounting in the university and is about to finish her program.

She wants to have her own business, a stocked store. With youthful initiative for young entrepreneurs, it's her opportunity to be able to achieve her dreams, such as having a store.

She started selling on foot with her mother when she was 15. She acquired experience and went out on her own when she was 17. Today she has a lot of customers. To satisfy the demand she needs a loan, which will help her have her own business and not sell on foot, because this is how she supports her studies.

She's a young woman with a broad vision, sure of what she wants and with a great desire to grow. She's responsible, honest, and very hardworking. She needs a loan to invest and stock her business to earn her own income.
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Isolina del Carmen una Joven emprendedora de 21 años de edad, soltera y sin hijos, viven en una comarca de Chinandega, vive en casa de sus padres, estudiante universitaria de contabilidad casi al finalizar sus estudios, desea tener su ´propio negocio como es un tienda surtida, con la iniciativa juvenil para jóvenes emprendedoras es la oportunidad para poder realizar sus sueños como es tener su tienda, ella inicio a vender de forma ambulante con su mamá desde los 15 años, adquirió experiencia por lo cual se independizo a los 17 años de edad y hoy en día tiene muchos clientes para satisfacer la demanda necesita un financiamiento que le ayude a tener su propio negocio y no andar ofreciendo ambulante, ya que de esto ella mantiene sus estudios.

es una joven con una visión amplia, segura de lo que quiere con muchos deseos de crecer, responsable, honesta y muy trabajadora, necesita un crédito para invertir y surtir su negocio y obtener sus propias ganancias.

Additional Information

More information about this loan

This loan is part of CEPRODEL's program for young Nicaraguans, ages 18 to 29, who belong to solidarity groups. Within these groups, everyone either works together on the same business or runs a separate small business. These loans are targeted to low-income clients with special focus on single women living in and around the city of Chinandega. For borrowers starting new businesses, CEPRODEL waives its requirement that recipients have over one year of experience in the field. CEPRODEL partners with an Italian NGO to offer a business training program for recipients. By supporting this loan, you are helping young entrepreneurs who have limited access to credit.


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
  • 74
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Isolina Del Carmen to buy clothing, shoes, jewelry, and appliances.
100% repaid
Repayment Term
24 months (Additional Information)
Repayment Schedule
May 30, 2013
Jun 25, 2013
Currency Exchange Loss:
Apr 17, 2015