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Luz Emilia
Luz Emilia has worked as an assistant principal at a public school in the municipality of La Paz Centro for seven years. She’s raised her family composed of her and her two children this way providing them with schooling, food and other basic household needs.

She’s asking Ceprodel for a home improvement loan to repair the bedroom roof. She will buy metal sheeting, roof purlins, nails and pay labor costs to provide better living conditions for her children.

In the photo, Luz is at her workplace where she plans and supervises the activities of the teachers in her charge.
View original language description ↓
Luz Emilia trabaja para una escuela publica en el municipio de la paz centro desde hace 7 años como sub - directora de primaria con lo que ha sacado adelante su familia quien la conforma ella y dos hijos, brindándole estudio, alimentación y demás necesidades básicas de un hogar.

solicita a ceprodel un crédito para mejorar su casa de habitación en la reparación del techo, del cuarto, con la compra de zinc, perlines, clavos y pago de mano de obra, para darle una mejor condición de vida a sus hijos.

en la fotografia la Señora Luz se encentra en su puesto de trabajo donde planifica y supervisa las actividades de los maestros a cargo.

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
  • 73
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Luz Emilia to buy building supplies like cement, roof purlins and metal sheeting.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Oct 23, 2012
Currency Exchange Loss:
Mar 18, 2014