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Ruth Isabel
Ruth is an elementary school teacher. She has worked for 14 years for this Ministry of Education.

She didn't have a house to live in so she began to request loans with CEPRODEL to build her house little by little. Now she has her own house. All she needs to do is plaster two rooms, which is why she's requesting this loan.

She's married and has two minor children. Her husband has two three-wheeled vehicles he uses for taxi service in the town. They are hardworking people who have strived to come from behind and give their children better living conditions.

She's grateful for her loan because it's the only way they can enjoy having their own home today.
View original language description ↓
La Señora Ruth es profesora de educación primaria tiene catorce años de laborar para este ministerio de educación.

Antes no tenía casa donde habitar empezó a solicitar crédito con Ceprodel y empezó a construir poco a poco ahora ya tiene su propia casa solo le falta darle repello a dos de sus cuarto y al baño es por el cual solicita este financiamiento.

Es casada, tiene dos hijos menores de edad, su esposo tiene dos triciclo que las trabaja prestando el servicio de taxi en el municipio.

Son personas trabajadoras que han venido desde abajo luchando por tener una mejor condición de vida para sus hijos.

Se siente muy agradecido por los financiamiento que se le han otorgado por que solo así pueden gozar de su propia vivienda hoy en día.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Ruth Isabel to buy sand and cement to plaster two rooms.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 30, 2012
Nov 18, 2012
Currency Exchange Loss:
Dec 21, 2013