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José Alberto
Matagalpa, the pearl of the north, is a beautiful city located in the north of Nicaragua that is important for its large coffee production. José Alberto is a native of Matagalpa. He is married and has three school-aged sons.

José Alberto is known as being a respectful person who is responsible with regard to his obligations and a very hard worker. He currently works for a company as a brick layer. His income from the company is used for basic grocery needs and some household expenses. He wants and needs to make improvements to his house, but his salary isn't enough to cover the costs. And that is the reason he is taking out the loan. He plans to use it to purchase sand and cement to plaster his entire house.

"I am happy with and grateful for this loan from Ceprodel and Kiva. It is helping me," don José expressed. It will enable him to carry out the improvements.
View original language description ↓
Matagalpa la perla del septentrión una linda e importante ciudad por su alta producción de café ubicada en el norte de Nicaragua es originario José Alberto, casado y tiene tres hijos varones todo ellos en edad escolar.

José Alberto se caracteriza por ser una persona de respeto, responsable con sus obligaciones y muy trabajador, actualmente trabaja para una empresa como albañil, con sus sueldo que devenga de este empresa lo destina para la compra de canasta básica y algunos gasto en el hogar, tiene el deseo y la necesidad de mejorar su vivienda pero el salario no es suficiente para cubrir este gasto es por tal razón que el crédito que se le desembolso lo tiene destinado para la compra de arena y cemento ya que va a repellar toda su casa.

Me siento alegre y agradecido con este crédito de ceprodel y kiva me está apoyando manifestó don José ya que es la manera que va poder realizarle las mejora

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 Nicaragua

  • $4,800
    Average annual income
  • 94
    View loans »
    Nicaragua Loans Fundraising
  • $24,742,900
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped José Alberto to purchase sand and cement to plaster his house.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Oct 30, 2012
Nov 20, 2012
Currency Exchange Loss:
Jan 18, 2014