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Iris Del Carmen
Mrs. Iris del Carmen A. T. works as a custodian at the Manuel Olivares Rodríguez Institute. Originally from Managua, she has three children in her care and has worked with CEPRODEL for three years. Over this period of time, she has invested three loans into making improvements to her home. Thanks to the financings granted by CEPRODEL, she is an excellent client.

The loan requested would be invested into purchasing construction materials such as: sand, cement, iron, and items to finish building a wall that was in disrepair (it was previously built out of zinc). Her goal is to provide greater security and a higher standard of living for her children.
View original language description ↓
La Señora Iris del Carmen A. T., Labora como Conserje en el Instituto Manuel Olivares Rodríguez.
De Managua, ella tiene tres hijos a su cargo, y dos se encuentran en edad escolar, esta Casada, ha trabajado créditos con CEPRODEL durante tres año, en este periodo de tiempo ha invertido tres créditos en la mejoramiento de la vivienda en la que habita, gracias a los financiamiento otorgados por CEPRODEL, el es un cliente excelente.

El crédito solicitado es para invertir en la compra de materiales de construcción como: arena, Cemento, Hierro y para terminar de construir una pared por lo que este se encontraba en mal estado (antes estaba construida de zinc).
Con el objetivo de Brindarles mayor seguridad y una mejor condición 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
  • 129
    View loans »
    Nicaragua Loans Fundraising
  • $24,575,325
    Funds lent in using Kiva
  • 20.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Iris Del Carmen to make improvements to, and expand, her house.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Jan 7, 2010
Jan 19, 2010
Currency Exchange Loss:
Jul 15, 2011