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Justina Yanet
Justina is a primary school teacher; she currently holds the position of Docent in an education center for a community in Larreynaga. She is single with 3 children, for whom she has to maintain professional conditions of development. At this time, Justina has a very important need regarding the improvement of a bedroom. To this end, she made the decision to visit the CEPRODEL offices so she could benefit from a loan to carry out her proposed goal, with the intention of improving her family’s condition and standard of living. The loan will be used to purchase construction materials such as metal roofing, red bricks, perforated bricks, 3/8 inch iron, solid iron rods, cement, gravel, sand, and manpower, in order to improve her family’s living conditions.
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La señora Justina es Maestra de Primaria de Profesión, actualmente se desempeña como Docente de un centro educativo de una comunidad de larreynaga, es soltera con 3 hijos a los que tiene que mantener las condiciones de desarrollo profesional, actualmente la señora Justina tiene una necesidad muy importante en lo que se refiere al mejoramiento de un cuarto, para ese efecto tomo la decisión de visitar las oficinas de ceprodel para ser beneficiado con crédito para efectuar su gestión de mejoras en el objetivo planteado, con mira a mejorar sus condiciones y nivel de vida familiar, ya que dicho financiamiento será utilizado para la compra de materiales de construcción como: zinc, ladrillo rojo, hierro 3/8, hierro liso, cemento, piedrín, arena y mano de obra, para mejorar las condiciones de la familia.

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
  • 76
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 23.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Justina Yanet to purchase metal roofing, red bricks, perforated bricks, 3/8 inch iron, solid iron rods, cement, gravel, sand, and to pay for labor.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jul 13, 2012
Aug 12, 2012
Currency Exchange Loss:
Nov 17, 2013