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Juan Carlos
El Sauce is a beautiful western municipality surrounded by flower-covered mountains in winter. In El Sauce it is typical to see humble houses with tile roofs. There are many people here who are known for being very hard-working and tenacious.

Such is the case with Juan Carlos, age 55. His is married and has children. He has worked for many years in order to bring home the daily bread and so that his children would lack for nothing. Thanks to his work and support from his wife, who has a small business, he now has his own house. He has been improving the house little by little.

He wants to expand the house in order to give his children a good legacy. That is why he is requesting this loan to buy bricks, cement, and sand. He will use these materials to build a room so that his children have space and better living conditions.

He is grateful to Kiva and Ceprodel for the support given through these loans. The loans have helped him improve his family’s living conditions. He hopes that in the future they will continue helping him.
View original language description ↓
El Sauce es un bello municipio de occidente rodeado de montañas florecidas por la temporada de invierno donde lo típico es ver las humildes viviendas con techos de tejas.

En él hay muchas personas que se caracterizan por ser trabajadoras y luchadoras como es el caso de Juan Carlos, un señor de 55 años, casado, padre de familia el cual se dedica a laborar desde hace muchos años para llevar el pan de cada día a su hogar y para que no les falte nada a sus hijos.

Gracias a su trabajo y el apoyo de su esposa quien se dedica al pequeño comercio hoy tiene su propia vivienda la que ha ido mejorando poco a poco y la que quiere ir ampliando para brindarles un buen patrimonio a sus hijos, por tal motivo solicita este crédito para la compra de ladrillos, cemento y arena con el fin de terminar de construir un cuarto para que sus hijos tengan mejores condiciones de vida y espacio.
Agradece a KIVA y Ceprodel por el apoyo brindado a través de estos préstamos que le han ayudado a mejorar las condiciones de vida de su familia y espera que en futuro le sigan ayudando.

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
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 23.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Juan Carlos to buy construction materials like bricks, cement, and sand.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Aug 9, 2012
Sep 10, 2012
Currency Exchange Loss:
Jan 18, 2014