José has worked as a mason for a sanitation services company for more than six years. The income from his salary is used to provide for the household expenses. José needs to make a few improvements to his home, but his salary makes it a bit difficult for him to pursue these projects. For this reason, he is requesting this loan so that he can buy ceramic floor tiles in order to complete one of these improvements.
José says that he is grateful to Kiva and CEPRODEL for assisting him with this loan, which will result in a home that is in better condition.
José se desempeña como albañil en una empresa de servicio potable desde hace más de seis años, con los ingresos de su salario son destinado para suplir los gasto de su hogar.
Necesita realizar alguna mejora en su vivienda pero con su salario se vuelve un poco más difícil de hacer las mejora es por tal razón que solicita este crédito para destinarlo para la compra de piso cerámica y a si poder realizar la mejora.
José manifestó que se siente agradecido con kiva y ceprodel por brindarle el apoyo a través de este crédito ya que le dará mejor condición a su vivienda.
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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