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Luz Marina
Luz Marina A. S. is an active worker at the “CERMA” public school in San Rafael Del Sur, in the position of elementary school teacher. She has worked for this organization for thirty-one years. She has had twelve loans with CEPRODEL, which she has used to buy construction materials to improve the home where she lives. The loans have benefited her greatly, because they have allowed her to improve her living conditions and those of her family.
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La Sra. Luz Marina A. S. ella es Trabajadora activo del colegio público “CERMA” de San Rafael Del Sur desempeñándose como Maestra de Educación Primaria, tiene treinta y un años de trabajar para esta empresa,. Ha tenido doce créditos con CEPRODEL y los ha realizado para comprar materiales de construcción para mejorar su casa de habitación los cuales le han beneficiado en gran manera ya que de esa manera ella ha mejorado su condición de vida de ella y su familia.

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
  • 76
    View loans »
    Nicaragua Loans Fundraising
  • $25,420,300
    Funds lent in using Kiva
  • 21.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Luz Marina buying stones, sand and cement.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Aug 20, 2010
Sep 26, 2010
Currency Exchange Loss:
Dec 30, 2011