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María Lourdes
María Lourdes is a native of the city of El Sauce. For many years she has earned her living as a teacher. She has a lot of experience teaching children and she values the fact that through her work she has contributed "a grain of sand" toward Nicaragua's future.

She is a single mother of two sons. She has raised them successfully; they are good people like their mother.

She is currently requesting her second loan in order to continue improving her home. She will invest the loan in the purchase of cement and sand and in the payment of laborers to tile the entire house. Her aim is to allow herself and her sons to live in better conditions, which will improve their quality of life, thanks to the help these loans offer. Only through these loans can María Lourdes and the other clients of Kiva's partner fulfill their dreams.
View original language description ↓
La señora María Lourdes es originaria del municipio de El Sauce, desde hace muchos años se dedica a la actividad de docencia donde tiene mucha experiencia en este ramo en la enseñanza a los niños lo que le da gran valor por aportar un granito de arena para el futuro de Nicaragua.

Es madre soltera de dos hijos los cuales ha formado exitosamente ya que son personas de bien al igual que ella.

Actualmente, está solicitando su segundo crédito para seguir mejorando su vivienda el cual será invertido en la compra de cemento, arena y pago de mano de obra para embaldosar toda la vivienda con el fin de tener mejores condiciones de vida para ella y sus hijos, lo que viene a mejorar su calidad de vida gracias a la ayuda de estos créditos que solo por medio de ellos se pueden cumplir los sueños de los clientes.

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
  • 66
    View loans »
    Nicaragua Loans Fundraising
  • $25,083,125
    Funds lent in using Kiva
  • 23.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped María Lourdes to buy cement and sand and pay laborers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 16, 2012
Mar 31, 2012
Currency Exchange Loss:
Apr 18, 2013