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Jose Ernesto
Sr. José Ernesto L. Cáceres works as a janitor at the Roberto Huembes Market in Managua. He is married and has two dependent children in school. He has worked with CEPRODEL for two years and received two loans that were used for making home improvements.

The loan he is requesting will be used to purchase materials for refurbishing the roof of his house and pay for labor. He wishes to provide better living conditions for his children.

José says he is thankful for the loans CEPRODEL has provided so that he can improve his home and provide better conditions for his wife and children.

View original language description ↓
El Señor José Ernesto L. Cáceres, Labora como Higienista ( limpieza) en el Mercado Roberto Huembes de Managua, el tiene a su cargo dos hijos, se encuentran en edad escolar, esta casado, ha trabajado créditos con CEPRODEL durante dos años, en ese lapso ha invertido 2 créditos en el mejoramiento de las condiciones de su vivienda otorgados por CEPRODEL, el es una excelente Cliente.

El crédito solicitado es para invertir en la compra de materiales para la remodelación del techo de la vivienda y el pago de la mano obra, para darles una mejor condición de vida a sus hijos.

José dijo que gracias a los prestamos otorgados por ceprodel ha podido mejorar su vivienda y darles mejores condiciones a sus hijos y esposa

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
  • 66
    View loans »
    Nicaragua Loans Fundraising
  • $25,079,250
    Funds lent in using Kiva
  • 20.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Jose Ernesto pay for materials & labor.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Dec 28, 2009
Jan 14, 2010
Currency Exchange Loss:
Jan 19, 2011