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Sonia Esmeralda
Sra. Sonia S. lives in the city of Managua and is determined to make improvements to her home, since it has been badly damaged as a result of natural events. She is a single mother with two small children to support, so she wants to provide them with the conditions necessary for their intellectual and social development.

The loan she is requesting will be used to buy materials for rebuilding the roof so that she can protect her children from the sun and the rain. She hopes to be the beneficiary of this loan so that she and her children can better themselves.

View original language description ↓

La señora Sonia S. habita en la ciudad de Managua y se dedica arduamente a trabajar para llevar a cabo el mejoramiento en su vivienda que se ha visto muy maltratada por los fenómenos naturales que le han azotado. Ella es madre soltera y con dos pequeños hijos que mantener por lo que desea brindarle las condiciones necesarias para su desarrollo tanto intelectual como familiar.

Ella solicita el crédito para la compra de los materiales de construcción para reconstruir el techo y así proteger a sus hijos del sol y de la lluvia. Ella espera ser beneficiada con este crédito para mejorar en conjunto con sus hijos.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Nicaragua

  • $4,800
    Average annual income
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • 20.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,125 helped Sonia Esmeralda purchase construction materials to rebuild the roof of her house.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 28, 2009
Nov 15, 2009
Currency Exchange Loss:
Jul 15, 2011