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Betania Del Carmen
Betania works in the service sector. She has a mill where she processes maize to make tortillas, nacatamales, and baked goods. All of these maize-made products are popular foods in Nicaragua.

In addition, she has a truck with which she sells construction materials such as cement blocks, sand, aggregate, and cement. Through this job she earns other money for her family's finances.

She lives in her mother's house, however, bearing in mind she was recently married, she plans to become independent. She and her husband have planned together to build their own home in order to give their baby its own room.

The loan she is requesting will be used to buy construction materials so she can realize her dream of owning her own house.
View original language description ↓
La actividad comercial de la Señora Betania es de servicio, tiene un molino donde procesa el maíz para elaborar tortillas, nacatamales, cosas de horno(Rosquillas), todos estos productos fabricados del maíz y popular en la comida de los nicaragüenses.

Además tiene un camión donde vende materiales de construcción como bloques, arena, piedra y cemento, en donde obtiene otros ingresos para su economía familiar.

Ella vive en casa de su mama, sin embargo en vista que ya contrajo matrimonio y ha planificado independizarse, se ha proyectado junto con su esposo construir su propia vivienda para ofrecerle a su bebe su propio espacio familiar.

El crédito que solicita es para compra de materiales de construcción, para hacer realidad el sueño de tener su propia casa.

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
  • 95
    View loans »
    Nicaragua Loans Fundraising
  • $24,749,225
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,325 helped Betania Del Carmen to buy construction materials such as sand, cement, iron, and gravel.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 3, 2012
Nov 17, 2012
Currency Exchange Loss:
Dec 21, 2013