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José Esteban lives in the city of Managua, the capital of Nicaragua. He is married, and has two school-aged children in his care.

José is requesting a loan from the institution because he wants to make improvements to the front of his home. He considers these necessary to provide greater safety for his family.

If granted the loan, he is going to buy cement blocks, sand and wood.

This would be his second loan, and he is very grateful, because he used his first loan to make several improvements to his house.
View original language description ↓
José esteban vive en la cuidad de Managua capital de Nicaragua;Casado con dos niños menores a su cargo en edad escolar.

José esta solicitando crédito a nuestra institución por que quiere hacerles mejoras al la parte delantera de su vivienda lo considera necesario por para darle mayor seguridad a su familia.
Si le otorgamos el crédito el señor va a comprar
Bloque cemento arena y madera.
Este seria el segundo crédito trabajado y esta bien agradecido por que con su primer crédito lo invirtió en algunas mejoras en su vivienda.

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
  • 92
    View loans »
    Nicaragua Loans Fundraising
  • $24,769,675
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $875 helped José to buy building materials.
99% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Nov 20, 2012
Dec 7, 2012
Currency Exchange Loss:
Jul 18, 2014