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Juana Marizol
In the municipality of Telica in the Department of León, Doña Juana works at an institution in the community in order to sustain her household. Her two children benefit because she is able to provide them the necessary conditions for their development.

One of Sra. Juana’s existing needs is to proceed with immediate improvements to her home to prevent further deterioration and to make it more durable. She made the decision to approach CEPRODEL and request a loan to buy construction materials such as cement, blocks, sand, iron, as well as pay for labor to complete these home improvements. The end result will provide greater security in her home and better living conditions for her children.

View original language description ↓
En el municipio de Telica departamento de León, doña Juana, trabaja en una institución de la comunidad buscando la manera de llevar el sustento a su casa y así beneficiar a sus dos hijos a los que tiene que proporcionarles las condiciones necesarias para su desarrollo.

Una de las necesidades que la señora Juana atraviesa, es de mejorar a lo inmediato sus condiciones de su vivienda debido a que amerita efectuarles ciertas mejoras para que sea más duradera y evitar que se siga deteriorando.

Ha tomado la decisión de acudir a Ceprodel para solicitar un crédito para la compra de materiales de construcción como, cemento, bloques, arena, hierro y mano de obra para realizar las mejora en la casa, para brindarle mayor seguridad a su vivienda debido a que por medio de esto brindará mejores condiciones de vida a sus hijos.

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
  • 130
    View loans »
    Nicaragua Loans Fundraising
  • $24,581,200
    Funds lent in using Kiva
  • 22.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Juana Marizol to pay for materials and labor needed for home improvements.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 19, 2011
Dec 5, 2011
Currency Exchange Loss:
Jan 19, 2013