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Rosa Verónica
Santa Rosa del Peñón is a beautiful and enchanting city where people make a living through agriculture, business, and livestock. In addition to these lovely trades, people also do Nicaraguan dances. This is where Rosa Verónica lives. She is thirty-nine, and her husband is a farmer. He barely covers their daily food costs. With the wages she earns as a teacher, she covers their two children's education costs. Rosa Verónica needs financing from Kiva and Ceprodel for $600 to buy cement, sand, and brick, which she will use to improve her home. Out of love for her family, what little she earns and the honesty she has, she will be able to pay back in sixteen months the small financial help she will receive. She believes that at the end of the year, she will be living in an improved house. She has love for her job and eternal love for her two children. She dreams about seeing them live in better conditions. All of this can be accomplished through the loan from Kiva and Ceprodel.
View original language description ↓
Santa Rosa del Peñón una bella y encantadora ciudad donde se dedica a la agricultura, el comercio y la ganadería, además de poseer estos lindos rubros también se dedica a las danzas nicaragüenses, es aquí donde habita Rosa Verónica.

Rosa Verónica se llama la mujer de 39 años de edad, cuyo marido es agricultor, y apenas cubre el sustento diario de su hogar, con el salario que ella gana como profesora, cubre los gastos de estudios de sus dos hijos.

Rosa Verónica necesita un financiamiento de Kiva y Ceprodel de $600.00 para la compra de: Cementó, Arena y Ladrillo, dicho préstamo lo estará invirtiendo en mejora de su vivienda.

De modo que su amor a su familia, lo poco que ella se gana y la honradez con que cuenta, podrá pagar en 16 meses la pequeña ayuda financiera que ella recibirá.

Ella estima que a finales de año estará viviendo en una mejor vivienda, cuenta con su amor al trabajo y su eterno amor a sus dos hijos donde sueña con verlos vivir en mejores condiciones, todo esto solo se lo puede cumplir a través del crédito que le financie Kiva y Ceprodel.

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

  • $3,636
    Average annual income
  • 131
    View loans »
    Nicaragua Loans Fundraising
  • $24,054,525
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Rosa Verónica to buy cement, sand, and brick.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Oct 30, 2012
Nov 11, 2012
Currency Exchange Loss:
Apr 16, 2014