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Rosa Ramona
It’s nice to visit El Sauce in November and December and travel through the mountains covered in white strawberry trees which are Nicaragua’s national tree. And how wonderful it is to smell the natural, pure aroma of that flower that’s used to decorate the Virgin Mary on December 7th when the Gritería feast day is celebrated.

Rosa Ramona, 48, lives in this town that’s full of religious traditions. She’s a single mother of three children she’s striven to raise by herself with no help from their father. Thanks to the work she does as a cook at a school she’s tried to give them the best she can and despite her poverty they’ve never lacked food or schooling.

Because of her life circumstances and because of her low salary, she has been renting the house she lives in with her family but she’s gotten help from a municipal project that offers small houses to people of limited resources. She’d like to enlarge this house a bit so that the family can have more room and needs a loan to do so. She’s asking for Kiva’s help through Ceprodel to build the room she needs. She will use the financing to buy bricks, cement, sand, metal sheeting and roof purlins as well as to pay labor costs.
View original language description ↓
En temporada de Noviembre y Diciembre es bonito visitar El Sauce, ir sobre la carretera entre montañas florecidas de Madroños blancos, el cual es el árbol nacional de Nicaragua y que rico es sentir aquel aroma natural y puro de esa flor que se acostumbra a adornar a la virgen María los siete de diciembre donde se celebra la gritería.

En este pueblo lleno de tradiciones religiosas habita doña Rosa Ramona, una señora de 48 años, madre soltera de tres hijos que se ha esforzado por criarlos sola sin la ayuda del padre y que gracias a su labor que ejerce como cocinera en un centro de enseñanza ha tratado de darle lo mejor que puede, bajo su pobreza no les ha faltado alimento ni educación.

En la actualidad por las circunstancias de la vida y por su bajo salario tiene que alquilar una vivienda donde habita con su familia pero recibió la ayuda de un proyecto del municipio que obsequió pequeñas vivienda a las personas de escasos recursos.
Hoy ella quiere ampliar un poco más esta casita para tener más espacio para su familia por lo que solicita un crédito y la ayuda de KIVA a través de Ceprodel para la construcción de un cuarto por lo que necesita, dicho financiamiento con el cual comprará ladrillos, cemento, arena, zinc, perlines y pago de mano de obra.

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

  • $4,800
    Average annual income
  • 110
    View loans »
    Nicaragua Loans Fundraising
  • $24,832,275
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Rosa Ramona to buy bricks, cement, sand, metal sheeting and roof purlins and to pay labor costs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 9, 2012
Nov 14, 2012
Currency Exchange Loss:
Dec 21, 2013