Mercedes De Jesús
Mercedes is in need of a loan from Kiva and Ceptrodel, which she will pay back over a 14-month period. She plans to buy wood and corrugated metal to repair the roof of her house, since the harsh seasonal rain has caused much damage to her dwelling.
She is a single mother of two children and works at the health center. Her salary cannot be stretched to cover household improvement, so she is requesting a loan from Kiva and Ceprodel so she can put her income to better use.
For the time being all she has is her honesty, good credit record, good health and dedication to work. This will allow her to pay back the loan on time.
"First of all, I want to thank God for having sent me to Ceprodel and Kiva, who I hope will continue giving me loans so I can improve my family's living conditions."
Mercedes necesita un financiamiento de Kiva y Ceprodel para pagarlo a un plazo de 14 meses donde lo invertirá en la compra de Madera, Zin, para la mejorar el techo de su vivienda, ya que las fuertes Lluvias que ha enfrentado en la temporada le han ocasionado mucho daño a su vivienda.
Es madre soltera con dos hijos bajo su cargo donde trabaja en un centro de salud, con lo poco que ella recibe de su sueldo desea mejorar su vivienda, por tal razón le pide a kiva y Ceprodel, con tanto deseos de mejorar el rendimiento de sus ingresos que le financien este crédito.
De manera, solo cuenta con su honestidad, su buen record crediticio, su buena salud y su dedicación al trabajo, esto la hace a que pueda pagar el crédito al plazo solicitado.
"Con toda seguridad Agradezco a Dios como primer instancia por haberla dirigido Ceprodel y Kiva, para que estos me sigan dando más crédito para el desarrollo y condiciones de mi familia"
About CEPRODELThis 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.
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