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Zoila María
Zoila María is a responsible, hardworking woman of good moral values, who has been able to provide for her family and who has succeeded in bringing stability to her house. She lives in Managua.
She has recently come to CEPRODEL to ask for a loan she will use to make improvements to her house. In order to have her house repaired and to offer better living conditions to her family, she will use the loan to buy construction materials such as cement, blocks, iron and buttress, as well as to pay for labor costs.
View original language description ↓
En el municipio de Managua, la señora Zoila María es una persona, responsable, trabajador con bueno valores morales, que ha sabido llevar el bienestar a su familia y ha logrado mantener estabilidad en su hogar.
Actualmente ha acudido a ceprodel con el fin de solicitar un crédito para mejorar la condición de su vivienda, con este desembolso comprara materiales de construcción tales como cemento, bloque, hierro, estribo y pago de mano de obra, para poder reparar su hogar y poder dar una mejor condición de vida a sus familia.

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
  • 76
    View loans »
    Nicaragua Loans Fundraising
  • $25,418,800
    Funds lent in using Kiva
  • 22.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Zoila María to buy construction materials such as cement, blocks, iron and buttress, as well as to pay for labor costs.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jun 20, 2011
Jul 11, 2011
Currency Exchange Loss:
Dec 14, 2012