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Rosa María
Señora Rosa Maria lives in Santa Rosa del Peñon, a beautiful city where people work in different commercial activities. Rosa Maria is 46 years old, and she was born and raised in this beautiful city.

She is applying for a loan to buy cement, sand, and bricks to improve her house. Her principal dream is to live in a better house with her two children. She comments that these wishes can only be made a reality with a loan that CEPRODEL and Kiva finance for her.

At the moment she has only her good health, her love of work, and her eternal love for her children, whom she dreams of seeing live in better conditions. Her home is deteriorating. With the little that she earns she barely settles the family expenses. It is for this reason that she is applying for a loan

She thanks God in the first place for having given her a healthy life and for having found CEPRODEL and Kiva, so that they can continue lending her a friendly hand to be able to develop in her activities.
View original language description ↓
Santa Rosa del Peñón una bella ciudad donde se dedica a diferentes actividades comerciales, es aquí donde habita la señora Rosa María.

Rosa María se llama la señora de 46 años de edad, es Nacida y Criada en este bello Municipio.

Solicita un crédito para la compra de: Cemento, arena Y ladrillo, para el mejoramiento de su casa de habitación, sus sueños principales es vivir en un mejor techo con sus dos hijos, ella comenta que estos deseos solo se le pueden hacer realidad con un crédito que le financie Ceprodel y Kiva.

De momento solo cuenta con su buena salud, su amor al trabajo y su eterno amor a sus hijos donde sueña con verlos vivir en mejores condiciones.

Su vivienda se encuentra deteriorada, con lo poco que ella gana apenas ajusta con el sustento de su familia, es por tal razón que solicita un crédito .

Agradezco a Dios como primera instancia por haberle dado una vida saludable y por haber encontrado a Ceprodel y Kiva, para que estos le sigan dando su mano amigable y poder desarrollar en sus actividades

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
  • 126
    View loans »
    Nicaragua Loans Fundraising
  • $24,035,950
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Rosa María to buy cement, sand, and bricks.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 30, 2012
Nov 13, 2012
Currency Exchange Loss:
Dec 21, 2013