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María Elsa
María Elsa is from the town of Santa Rosa del Peñón. She is a single mother of one child. She works as a nurse in a health center in the area. She has worked there for more than five years to improve the health of the residents.

She has her own house which she intends to improve little by little for the wellbeing of her son. That is why one of the things she needs at this time is to acquire construction materials such as bricks, cement, sand and zinc sheeting to enlarge a room. That is why she decided to ask for her fourth loan from Ceprodel, with the purpose of filling her need.
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La señora María Elsa es originaria del municipio de Santa Rosa del Peñón, es madre soltera y con un hijo. Se desempeña como enfermera en un puesto de salud de la localidad donde ha brindado sus servicios por más de cinco años para la mejor salud de los habitantes.

Cuenta con su propia vivienda la que pretende mejorar poco a poco para el bienestar de su hijo y por eso una de las necesidades que tiene en estos momentos es adquirir materiales de construcción como ladrillos, cemento, arena y zinc mejorar y ampliar una habitación, por tal razón decidió solicitar el crédito con el objetivo de cumplir con su necesidad.

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 Nicaragua

  • $4,800
    Average annual income
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • 22.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped María Elsa to buy bricks, cement, sand and zinc sheeting.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 16, 2011
May 22, 2011
Currency Exchange Loss:
Jan 27, 2012