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Martha Lucia
In the municipality of Managua, Señora Martha Lucia works extremely hard as an accountant at the University, a job she has done for twenty years. She is married and has three dependents to whom she provides the necessary means for their development.

Señora Martha Lucia has turned to Ceprodel to request a loan to buy construction materials such as cinder blocks, cement and sand to improve the condition of her home and to construct a one room extension, thus providing better living conditions for her family .
View original language description ↓
En municipio de Managua, la señora Martha Lucia se dedica arduamente a laborar como contadora en la Universidad, dedicándose a esta labor desde hace Veinte años. Es casada y con tres personas a su cargo que le proporciona las condiciones necesarias para que se desarrollen.

La señora Martha Lucia ha acudido a ceprodel con el fin de solicitar un crédito para mejorar la condición de su vivienda en la compra de materiales de construcción tales como bloque, cemento, arena, por medio de esta obra brindarle mejor condición de vida a su familia, para poder hacer un anexo de un cuarto.

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
  • 75
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 22.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Martha Lucia to buy construction materials.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Aug 13, 2011
Sep 9, 2011
Currency Exchange Loss:
Feb 24, 2012