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Norma Gregoria
Norma is from Larreynaga, León Department. She’s been working as an elementary school teacher teaching class for three years. Her nuclear family is composed of three people including a school age son; she’s a single mother. She has a disability that does not keep her from being able to do her job as an elementary school teacher.

She’s requesting a loan to buy gravel, sand, cement, concrete blocks, rebar and smooth rods as well as to pay delivery and labor costs in order to make improvements to her home which is in poor state. Because of this, she visited Ceprodel’s offices to be benefitted with a loan to attain her set goal thus improving her living conditions and standard of living.
View original language description ↓
la señora norma es originaria de un poblado de Larreynaga departamento de león, se desempeña como maestra de primaria con 3 años de laborar impartiendo clases, su núcleo familiar está conformado por 3 personas incluyendo su hijo, en edad escolar, es madre soltera, tiene un problema de discapacidad que no le impide realizar su labor como docente de educación primaria; esta señora solicita un financiamiento para la compra de piedrín, arena, cemento, bloques, hierro, varilla lisa, acarreo y mano de obra, para mejorar su casa la que está en mal estado, por eso se decidió visitar las oficinas de ceprodel para ser beneficiada con el financiamiento y lograr el objetivo planteado y de esa manera mejorar sus condiciones y nivel de vida.

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
  • 103
    View loans »
    Nicaragua Loans Fundraising
  • $24,738,100
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Norma Gregoria to buy building supplies and pay labor costs.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Sep 29, 2012
Oct 29, 2012
Currency Exchange Loss:
Jan 18, 2014