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Ervin Francisco
Mr Ervin Francisco a hard worker at the Centro de Insumos Para la Salud (Centre for Health Supplies) where he has worked for 8 years with responsibility for the grocery store. Ervin Francisco will use the loan to buy cement, rocks, sand, iron, zinc and wood to construct walls for the kitchen in his house, as he currently doesn't have enough resources.

Ervin Francisco is married with two children who are of school age and still in his care. This is his first loan with CEPRODEL. He says that the financing that CEPRODEL has awarded has helped him a lot as he will be able to improve his house, whose kitchen lacked walls and was previously enclosed by wooden boards.
View original language description ↓
El Sr. Ervin Francisco Hernández, es trabajador del Centro de insumos Para la Salud lleva 8 años de trabajar en esa institucion desempeñandose como responsible de bodega. El sr. Ervin Francisco va a usar el credito Para Compra de cemento, piedrín, arena, hierro, zinc y madera para la construcción de las paredes de la cocina de la casa.
Por que ahora no cuenta con suficiente recursos.
El sr. Ervin Francisco es casado y tiene 2 hijo a su cargo y este todavia esta a su cargo y en edad escolar.
Este el primer credito que el sr. Mario a tenido con CEPRODEL.
Ervin Francisco dijo, que los financiamientos otorgados por ceprodel le han ayudado en gran parte ya que e podido mejorar mi casa de habitación la cual me hacia falta construir las paredes de la cocina, por lo que antes estaba cerrada con tablas de madera

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
  • 81
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 20.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Ervin Francisco to buy cement, rocks, sand, iron, zinc and wood.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 28, 2009
Dec 19, 2009
Currency Exchange Loss:
Jul 18, 2011