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Fernando Jose
Fernando is 41 years old and works hard in his job as a plumber in the city of Managua. He is married and the father of three children who are in school.

Fernando visited the offices of CEPRODEL so that he could request a loan for building two rooms in his home for his children. He does not have sufficient to complete this improvement, so he has come to CEPRODEL to seek financing with this loan. All of his efforts go toward providing better living conditions at home for his wife and children. Fernando is grateful to CEPRODEL for this opportunity that has been given to him.

View original language description ↓
Fernando tiene 41 años de edad, trabaja arduamente como fontanero en la ciudad de managua y a la vez es casado y padre de familia de tres menores los que se encuentran en el colegio.
el visita las oficinas de ceprodel para solicitar un prestamo para construir dos cuarto de habitacion para sus hijos, ya que el no cuenta con sufucientes ingresos para realizar la mejora por tal razon a cude a ceprodel para que le financie un prestamo, todo esto es con la finalidad de brindarles mejores condiciones de vivienda a su esposa e hijos.
agradece aceprodel por la oportunidad que le fue brindada.

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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 22.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Fernando Jose to purchase construction materials so that he can build rooms for his children.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jul 29, 2011
Aug 5, 2011
Currency Exchange Loss:
Mar 15, 2013