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Martha Ninoska
Señora Martha Ninoska has worked as a primary teacher for a city school in La Paz Centro for 9 years. With this job she has raised her family, which consists of herself and three children, offering them schooling, food, and the other basic household necessities.

She is applying to CEPRODEL for a loan to improve her home by repairing the roof and separating the rooms and the kitchen. She will buy zinc roofing, cement, and bricks, and pay for labor in order to offer better living conditions to her children.

In the photo, Martha is giving lessons in the schoolroom to children ages 4 to 6 at the third level.
View original language description ↓
La señora Martha Ninoska trabaja para un golegio del municipio de la paz centro, desde hace 9 años como profesora de primaria con lo que ha sacado adelante su familia quien la conforma ella y tres hijos brindándole estudio, alimentación y demás necesidades básicas de un hogar.

solicita a ceprodel un crédito para mejora de su casa de habitación con reparación del techo y separación de cuartos y cocina con la compra de zinc, cemento, ladrillos y pago de mano de obra para otorgarle una mejor condición de vida a sus hijos.
en la foto Martha esta impartiendo clase en la aula a los niños de 4 a 6 años edad en tercer nivel

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
  • 102
    View loans »
    Nicaragua Loans Fundraising
  • $24,739,175
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Martha Ninoska to buy construction materials such as brick, galvanized roofing, cement, and other items.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Oct 25, 2012
Currency Exchange Loss:
Feb 17, 2014