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José Emilio
José Emilio lives in the city of Managua. He is a person who has three people in his care. He is hard working, responsible and has good values and moral principles. He struggles to get his children ahead in life so that they can have a better future.

José Emilio came to this Ceprodel office to request a loan that he would use to remodel his home by adding a covered outdoor area in order to provide his family with more security. He is grateful to Ceprodel for the opportunity that he is being given with this loan.
View original language description ↓
Es de la ciudad de Managua, el señor José Emilio es una persona que tiene bajo su cargo a tres persona es luchadora, responsable, con buenos valores y principios morales, que lucha para sacar adelante sus hijos para un futuro mejor.

A esta oficina de ceprodel se presento a solicitar crédito que será utilizado para remodelación de su vivienda, en hacer un porche, para darle más seguridad a su familia y agradece a ceprodel la oportunidad con este desembolso.

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
  • 67
    View loans »
    Nicaragua Loans Fundraising
  • $25,102,875
    Funds lent in using Kiva
  • 22.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped José Emilio to buy building supplies.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jun 23, 2011
Jul 9, 2011
Currency Exchange Loss:
Dec 13, 2012