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Ana Patricia
Education is the main foundation for the development of a country, and it is for this reason that countries today require very capable teachers with a high level of knowledge in their subjects. Conscious of this, Ana makes a living as a teacher in a community in the municipality of Telica, attending to children of various ages. Her main concern is the education of these individuals who are the future of the nation.

She comes to Ceprodel because she needs to apply for a loan for the improvement of her home. She will buy cinder blocks, cement, 3/8" iron bars, 3/4" iron bars, corrugated tin roofing panels, sand, and wooden boards to construct a wall and roof. It should be noted that Ceprodel has been known to support teachers who, without a doubt, contribute to the development of children, and therefore to the development of the family.

In her case, she improves her conditions and standard of living by making improvements to her home, and thus creates better conditions for her family.

She thanks Ceprodel for giving her the opportunity to receive a loan, and to make the improvements to her home.
View original language description ↓
La educación es la base principal para el desarrollo de un país y es por este motivo que hoy en día se requieren maestros muy capaces y con altos conocimientos en la materia. Consciente de esto, la señora Ana se dedica a laborar como maestra en una comunidad del municipio de Telica atendiendo niños de varias edades y cuya preocupación principal es la educación en estas personas ya que son el futuro de la nación.

Ella acude a Ceprodel porque requiere solicitar un crédito para el mejoramiento de su vivienda y para ello comprará Bloques, Cemento, Hierro 3/8, Hierro ¾, Zinc, Arena y Alfajillas, para construir pared y techo. Cabe señalar que Ceprodel se ha caracterizado por apoyar a estos maestros que sin duda contribuyen al desarrollo de los pequeños, y por ende al desarrollo de la familia, en su caso, mejora las condiciones y nivel de vida efectuando las mejoras en su vivienda, y de esa manera crear mejores condiciones en su familia, agradeciéndole a ceprodel por darle la oportunidad de ser beneficiada y lograr subsanar la necesidad prioritaria de su vivienda.

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
  • 81
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Ana Patricia to buy cinder blocks, cement, 3/8" diameter iron bars, 3/4" diameter iron bars, corrugated roofing panels, sand, and wooden boards for the construction of a wall and roof.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Sep 17, 2012
Oct 17, 2012
Currency Exchange Loss:
Jan 18, 2014