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Rosa Amelia
Sra. Rosa Amelia is originally from the town of El Sauce. She is the mother of two children for whom she tries to provide everything, including a good education. Rosa is an elementary school teacher at a local school and has worked with children for more than 20 years.

She owns a home that is in good condition, thanks to the improvements she paid for from her salary and her business earnings. One of her needs at the moment is to acquire a loan to buy construction materials such as zinc, fiberboards, nails, and other items to install a ceiling over the rooms of her house. For this reason, she is requesting her first of loan from CEPRODEL so that she can finish this job.

View original language description ↓
La Sra. Rosa Amelia es originaria del municipio de El Sauce, es madre de dos hijos a los que ha tratado de darles lo mejor y una buena educación, se desempeña como maestra de educación primaria en un colegio de la localidad donde ha brindado sus servicios por más de veinte años para la buena educación de los niños.
Cuenta con su propia vivienda con buenas condiciones, la que ha mejorado gracias a su salario y a su negocio, una de las necesidades que tiene en estos momentos es adquirir un préstamo para comprar materiales de construcción como zinc, playcen y clavos, etc. para poner cielo raso en sus habitaciones de la casa, por tal razón decidió solicitar su primer crédito en Ceprodel 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 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
  • 97
    View loans »
    Nicaragua Loans Fundraising
  • $24,800,300
    Funds lent in using Kiva
  • 22.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Rosa Amelia to purchase zinc, fiberboards, nails, and other items to install a ceiling.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jun 16, 2011
Jun 26, 2011
Currency Exchange Loss:
Nov 26, 2012