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Jessica Massiel
Sra. Jessica Massiel works at a public school owned by the state in the central section of the town of La Paz. She has been a teacher for 12 years and her students are between the ages of 10-12 years. Jessica is married and has two children. She says that the line of work she has pursued has enabled her family to move forward. Jessica has been able to provide education, food, and basic household necessities.

She is currently requesting her second loan from CEPRODEL. Jessica needs to make improvements to her home, which includes building a wall and replacing the floor in her house. This will result in better living conditions for her family.

View original language description ↓
La Señora Jessica Massiel trabaja para una escuela pública del estado en el municipio de La paz centro desde hace 12 años como maestra de niños de 10 – 12 años, es casada tiene dos hijos, con dicha actividad laboral que desempeña es con la que ha sacado adelante su familia brindándole estudio, alimentación y demás necesidades básicas del hogar.

Actualmente es su segundo crédito que solicita a ceprodel y lo requiere para mejora de vivienda para comenzar a construir una pared y cambiar el piso de la casa dándole una mejor condición de vida a su familia

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
  • 130
    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 $650 helped Jessica Massiel to buy bricks, cement, and other construction supplies so that she can build a wall and replace the floors in her home.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Oct 31, 2012
Nov 15, 2012
Currency Exchange Loss:
Mar 18, 2014