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Carlos José
Carlos' business is an urban transportation service. He works with a manual tricycle, moving his clients from one place to another.

He started his business with his own capital and a small loan that Ceprodel gave him, and with this money he bought a tricycle.

He is married and has a humble family of four young school-aged children. Through the effort of his work and the help of the loans he has been able to build his own house.

But now he approaches Ceprodel again for a loan, since he needs to make some improvements to his home.

He is asking for this loan to buy construction materials such as sand and cement in order to finish his house.

He is very happy with Ceprodel and Kiva, since thanks to them he has made his dream, and that of his family, a reality - to have their own home.
View original language description ↓
La actividad del Señor Carlos es de servicio de transporte urbano, trabaja con un triciclo que funciono de forma manual, trasladando sus clientes de un lugar a otro.

Su negocio lo inicia con parte de capital propio y un crédito pequeño que le otorgo Ceprodel, con este dinero compro un triciclo.

Es casado tiene una humilde familia, cuatro niños menores en edad escolar. Con el esfuerzo de su trabajo y ayuda de los financiamientos ha podido hacer su propia casa.

Pero ahora se acerca de nuevo a Ceprodel para le otorguemos un préstamo ya que necesita realizar unas mejoras en su hogar.

Este crédito lo solicita para compra de materiales de construcción como arena y cemento para terminar su casa.

Se siente muy contento con Ceprodel y kiva que gracias a ellos ha hecho realidad sus sueños y el de su familia tener un techo propio.

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
  • 106
    View loans »
    Nicaragua Loans Fundraising
  • $24,828,400
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $150 helped Carlos José to purchase sand and cement.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 31, 2012
Nov 19, 2012
Currency Exchange Loss:
May 17, 2013