She built her small house with loans financed by Kiva and Ceprodel. She works hard for her low salary, which just covers her family´s food and her son´s education. She is now applying for small loan with Ceprodel and Kiva to be repaid over 12 months. She will use the loan to buy cement, sand, and bricks to repair her house so that she and her family can live in better conditions.
Es soltera cuenta con un hijo bajo su cargo y sus principales funciones es desempeñar el cargo de maestra de educación primaria.
Damaris mantiene a su único hijo y asegura que valla a la escuela con mucha necesidad.
Solo cuenta con su buena salud, su capacidad de trabajo, su pequeña vivienda que la ha ido construyendo con créditos que le ha financiado Kiva y Ceprodel, con lo poco que ella gana a duras penas ajusta para la alimentación de su familia y cubrir los estudio de su hijo, hoy en día le solicita a Ceprodel y Kiva que le financie un pequeño crédito para poderse pagar a un plazo de 12 meses.
Dicho financiamiento lo estará invirtiendo en la compra de: Cemento Arena y ladrillo, para poder reparar su vivienda y vivir en mejores condiciones con su 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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