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Julia Justina
Julia Justina M. O. works as a caretaker at the Manuel Olivares Rodrígez Institute.

The loan requested is for the purchase of construction materials to remodel a bedroom of her house.

View original language description ↓
JULIA JUSTINA M. O.,Trabaja como Conserje en el Instituto Manuel Olivares Rodríguez.
el prestamo solicitado es para utilizarlo en la compra de Materiales Construcción de su vivienda va a remodelar un cuarto de habitación.

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
  • 67
    View loans »
    Nicaragua Loans Fundraising
  • $25,083,125
    Funds lent in using Kiva
  • 21.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Julia Justina to purchase construction materials to remodel a bedroom of her house.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 12, 2010
Nov 3, 2010
Currency Exchange Loss:
Jul 26, 2012