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Justo German
Mr. Justo German E. M. is a worker in an aqueduct and sewer company. He has been in charge of the internal security personnel for the past 3 years.

He is married, 49 years old, and he has three individuals in his care, two of whom are minors. He has lived in the city of Managua, in the Halea district, for the past 12 years.

He is thankful to Ceprodel (Kiva Field Partner) for providing him the opportunity to carry out some home improvements with this loan. This is his first loan with Ceprodel.
View original language description ↓
Don Justo German E. M., es trabajador de una Empresa de Acueductos y Alcantarillado desempeñando el cargo de Agente de seguridad interna, desde hace 3 años.

Es casado, de 49 años de edad, con tres personas a su cargo, dos de ellas son menores de edad. Vive en la ciudad de Managua en el barrio Halea, desde hace 12 años.

El está agradecido con CEPRODEL por brindarle la oportunidad de mejorar su casa con este préstamo. Este es el primer crédito con CEPRODEL.

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
  • 22.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Justo German for home improvements.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jan 20, 2011
Feb 1, 2011
Currency Exchange Loss:
Apr 21, 2012