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José Iván
In the city of Managua, José Diaz works as a gardener at a company. He is married and has four people in his charge, and he has to provide for them.

One of the needs he has is that he must improve the conditions of his house. It is in bad condition which is why he has decided to begin improving it. This is the reason that he has come to Ceprodel to apply for a loan to buy construction materials such as tin roofing and roof beams, so that he can start to improve his house. He will change the roof to provide better living conditions for his children and wife.

It is important to mention that by doing this work he will provide his family with a dignified home to live in with all of the necessary conditions.
View original language description ↓

En la ciudad de Managua el señor José D. se dedica a laborar como jardinero en una empresa de esta ciudad , casado con cuatro personas a su cargo las que tiene que proporcionarles las condiciones necesarias .
Una de las necesidades que el señor atraviesa hoy en dia es que debe mejorar las condiciones de su vivienda debido a que ha estado en malas condiciones por lo que ha tomado la decisión de iniciar la obra de mejora. es por este motivo que acude a ceprodel para solicitar un crédito para la compra de materiales de construccioncomo zinc, perlines para iniciar la mejora de la vivienda realizando el cambio de techo y por medio de esta obra brindara mejores condiciones de vida a sus hijos y esposa .
Es importante destacar que por medio de la realización de esta obra le proporciona a su familia un techo digno donde vivir y con todas las condiciones necesarias

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
  • 103
    View loans »
    Nicaragua Loans Fundraising
  • $24,739,175
    Funds lent in using Kiva
  • 22.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped José Iván to buy construction materials.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Aug 27, 2011
Sep 11, 2011
Currency Exchange Loss:
Apr 18, 2013