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Esperanza De Los Ángeles
Sra. Esperanza M. is an employee of the City of Chinandega and works as a street sweeper. She has had to be both mother and father to her three children who are in school. Esperanza struggles to get ahead. She has worked with CEPRODEL over the years and has received six loans that were invested into her home and used for personal expenses, such as the purchase of a television so that her children could have a means of distraction.

She feels the loans have helped her overcome and enabled her to gradually move her children forward.

View original language description ↓
La señora Esperanza M. es trabajadora de la alcaldía de Chinandega se desempeña en el área de barrido de calles es madre y padre de tres niños los cuales estudian y ella lucha por sacarlos adelante tiene años de trabajar en dicha empresa y ha sacado seis financiamientos los que los ha invertido en su casa y para gastos personales como compra de televisor para que sus niños tengan un medio de distracción ella siente que con estos créditos ella ha superado bastante y que poco a poco ha sacado a su hijos adelante.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,406,150
    Funds lent in using Kiva
  • 21.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Esperanza De Los Ángeles purchase construction materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 20, 2010
Dec 1, 2010
Currency Exchange Loss:
Aug 16, 2011