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Jairo Ramon
Jairo Ramón M. Martínez is employed as a security guard at the Roberto Huembé Managua market. He is married and the father of four school-age children. He has handled Ceprodel loans for the past three years and has managed in that period of time to improve his home with the three loans from Ceprodel He is an excellent client and punctual with his repayments. The financing requested is to buy building materials and pay for labor costs to replace the roof and floor of his home.
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El Señor Jairo Ramón M. Martínez, labora como guarda de seguridad en el mercado Roberto Huembé Managua, el tiene a su cargo cuatros hijos los cuales están en edad escolar, esta casado, ha trabajado créditos con Ceprodel durante tres años, en ese lapso ha logrado mejorar las condiciones de su vivienda con los 3 financiamiento que ha trabajado con Ceprodel, el es un excelente cliente y puntual en sus pagos.

El crédito solicitado es para invertir en la compra de materiales para la remodelación del techo y piso de la vivienda en que habita y el pago de la mano de obra.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 20.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Jairo Ramon to repair his roof and floor.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Nov 10, 2009
Nov 27, 2009
Currency Exchange Loss:
Mar 15, 2011