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Elis Maria
Elis is a single mother and an elementary schoolteacher who teaches at a rural school in her zone. She must travel 25 km to work. She is mother to four children who she is supporting in their elementary and high school educations. She is asking CEPRODEL for a loan so that she can make improvements to her home, which is in bad shape. She will use the money to buy cement, pebbles, sand, doors, zinc sheeting, and pay for labor to do the work. In this way she can improve her family’s quality of life.
View original language description ↓
La señora Elis es madre soltera, de profesión maestra de educación primaria, imparte clases en un colegio de la zona rural, donde se tiene que trasladar 25 kilómetros para desempeñar su profesión, es madre de 4 hijos los que está apoyando en sus estudios para tanto primarios como secundarios, se presento a ceprodel para solicitar un crédito para el mejoramiento de la vivienda la que está en mal estado, el que utilizaría en la compra de cemento, piedrín, arena, puertas, zinc y mano de obra, para realizar las mejoras antes planteadas, de esa manera mejorar las condiciones y nivel de vida 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

  • $4,800
    Average annual income
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,075,600
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Elis Maria to buy building materials.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 29, 2012
Dec 7, 2012
Currency Exchange Loss:
Jan 18, 2014