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Denis Alberto
In the beautiful, enchanting city of Achuapa, known as the land of Achote, there are different Nicaraguan cultural activities, including folk dancing. This is in the department of León, where Denis Alberto lives. He is married and has four children in his care. He works as an elementary school principal.

Denis supports his family and wants to make sure his son goes to the university, which is difficult with six members in the family. He lives in a small house in poor conditions, and is unable to afford to build even a small room to make his family more comfortable. Therefore, he is requesting a loan to buy cement, sand, and corrugated metal, as well as hire workers. He realizes his small dwelling is in need of more space; and his only hope is receiving support from Kiva and Ceprodel who can provide the type of financing he needs.
View original language description ↓
En el Municipio de Achuapa una Bella y encantadora ciudad, conocida como tierra de Achote donde se practican diferentes culturas Nicaragüenses, como es el baile del folklore, esto está ubicada en el departamento de león, es donde habita el Señor Denis Alberto.

Es casado cuenta con cuatro hijo bajo su cargo y sus principales funciones es desempeñar el cargo de director de educación primaria.

Denis mantiene a su familia y asegura que su hijo valla a la universidad con mucha necesidad ya que su núcleo familiar se compone de 6 persona, habita en una casita con malas condiciones, con lo poco que el gana ni siquiera puede construir un pequeño cuarto que le ayudara a mantener en mejores a su familia, por lo que solicita un financiamiento para la compra de cemento, Arena, Zin y pago de mano de obra, él ha descubierto que en su pequeña vivienda están necesitando de construir un anexo ya que la única esperanza con que él cuenta es que Kiva y Ceprodel le puede dar este tipo de financiamiento.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $550 helped Denis Alberto to buy cement, sand, corrugated metal, and hire workers.
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 31, 2012
Nov 11, 2012
Currency Exchange Loss:
Dec 11, 2012