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Maria Antonia
María, in addition to being a secondary-school teacher in a school in the town where she lives, is an exemplary mother of three children whom she's helping with their studies. She also helps her husband in his mini-hardware store. She's single and works with adolescent youth in her academic level.

This woman needs to improve her home, so she went to CEPRODEL to receive a loan. She's going to buy cement, sand, ceramic tiles, cement for tiles, gravel, and metal sheets, and pay for labor. This will improve her family's living conditions and quality of life.
View original language description ↓
María además de ser maestra de Educación secundaria en un instituto del municipio donde vive, es una madre ejemplar de 3 hijos a los que está apoyando en sus estudios, también ayuda a su marido en una mini ferretería que tiene, es soltera , y atiende a jóvenes adolecentes en su nivel académico, esta señora tiene la necesidad de mejorar su vivienda, por eso visito a ceprodel para ser beneficiada con un crédito , el que utilizaría en la compra de cemento, arena, cerámica, cemento para cerámica, piedrín, zinc y mano de obra, para mejorar las condiciones y su nivel de vida y de la familia.

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

  • $3,636
    Average annual income
  • 131
    View loans »
    Nicaragua Loans Fundraising
  • $24,053,725
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Maria Antonia to buy construction supplies and to pay for labor.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 30, 2012
Dec 6, 2012
Currency Exchange Loss:
Jan 18, 2014