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Maria Elsa
María Elsa lives in one of the neighborhoods in the municipality of Condega in Estelí Department about 30 kilometers north. She’s a merchant; she sells fresh meat and provides milling services. She’s been in business for about 7 years and it’s located at home. Her nuclear family consists of her two children who are elementary school age and her husband who is a merchant and provides transportation service.

She’s requesting the loan to buy building materials like cement and metal sheeting to improve her house’s walls and roof so that the house will have a better appearance and better conditions to provide her family with a more proper home; she will also improve her business’ appearance. She hopes she’ll get this loan and make her dreams reality.
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La Señora María Elsa habitante de uno de los barrios del Municipio de Condega, en el Departamento de Estelí a unos 30 km al norte.

Esta clienta es comerciante y se dedica a la venta de carne fresca y a prestar el servicio de molino, ella tiene aproximadamente unos 7 años de dedicarse a este negocio el cual esta ubicado en su casa de habitación.

Su núcleo familiar esta compuesto por sus dos hijos que están en edad escolar primaria y su esposo que es comerciante y brinda el servicio de transporte.

Esta clienta solicita un préstamo para la compra de materiales de construcción tales como cemento y zinc, para el mejoramiento de las paredes de su casa y el techo, de esta manera su casa tendrá una mejor presentación y mejores condiciones y así darles un techo mas digno a su familia y también le dará una mejor presentación a su negocio, por lo que ella espera obtener este credito y realizar sus sueños

Additional Information

About CEPRODEL

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
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,770,775
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Maria Elsa to buy building materials and supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 7, 2012
Listed
Dec 1, 2012
Currency Exchange Loss:
Possible
Ended:
Dec 21, 2013