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Ramón Estanislao
This client has been a salaried worker for an institution for 20 years. He is single.

He has had three loans with Ceprodel. He has used them to buy construction materials. He has been paying in a satisfactory way. The loans have helped him improve his quality of life.
View original language description ↓
Este cliente es asalariado, tiene veinte años de laborar para una institución, es soltero. En total le han financiado tres créditos con Ceprodel los cuales los ha destinado para compra de materiales de construcción, pagando de manera satisfactoria, estos créditos le han beneficiado ya que ha mejorado su calidad de vida.

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
  • 69
    View loans »
    Nicaragua Loans Fundraising
  • $25,083,125
    Funds lent in using Kiva
  • 22.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Ramón Estanislao to buy construction materials like sand, cement, and corrugated metal roofing to expand and repair his home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 10, 2011
Jul 9, 2011
Currency Exchange Loss:
Sep 28, 2012