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Francisco Javier
Like all responsible fathers, Mr. Francisco Javier C. has worked hard to maintain his modest home, comprised of his wife and their four children. Two of the four children are of school-age, and therefore Francisco must provide them with the necessary conditions for their successful studies.

Seeing as his home has been in bad shape, Francisco has begun working to improve his home. He therefore came to Ceprodel to request a loan in order to purchase construction materials and continue working on his home. He hopes that his loan request will be granted, thereby allowing him to complete his renovations and give his children a better home.
View original language description ↓
Como todo padre responsable, el señor Francisco Javier C. se ha dedicado a trabajar para mantener su humilde hogar compuesto por su esposa y sus cuatro hijos de los cuales dos de ellos están en edad escolar por lo que les debe de brindar las condiciones necesarias para sus estudios.
En vistas a que su vivienda ha estado en malas condiciones, el señor Francisco ha iniciado a reconstruir su vivienda y para ello ha acudido a Ceprodel con el fin de solicitar un crédito para la compra de los materiales de construcción y así dar paso al mejoramiento de su vivienda. Espera muy confiadamente que su crédito le será otorgado y de esta manera mejorará en gran parte su vivienda y por ende le brindará mejores condiciones de vida a 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
  • 97
    View loans »
    Nicaragua Loans Fundraising
  • $24,800,300
    Funds lent in using Kiva
  • 20.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Francisco Javier to purchase construction materials.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Dec 16, 2009
Dec 28, 2009
Currency Exchange Loss:
May 15, 2011