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Jairo Javier
Jairo lives in the city of Managua and has worked as a security guard at a Managua university for 13 years. He’s a responsible father who very much wants his and his family’s improvement.

Jairo is requesting a loan because he has a project to replace the roof at home because the house was built many years ago and it’s in poor condition which is why it’s urgent for him to buy metal sheeting and lumber to make some home improvements.

This is his third Ceprodel loan and he’s very grateful because thanks to this opportunity he’s been able to gradually improve his family’s standard of living.
View original language description ↓
El señor Jairo Javier vive en la cuidad de Managua trabaja como guarda de seguridad en una universidad de Managua desde hace 13 año.
Padre de familia responsable con mucho deseo de superación para el y su familia.

Don Jairo solicita un crédito ya que tiene el proyecto de cambiar el techo de su casa ya que tiene muchos año de haber construido la vivienda se encuentra en mal estado y es por eso que urge la compra de cinz y madera para mejorar su vivienda.

Es el tercer crédito que CEPRODEL le ha financiado y se siente muy agradecido por que gracias a esa oportunidad ha podido ir mejorando el nivel de vida de su 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
  • 102
    View loans »
    Nicaragua Loans Fundraising
  • $24,739,175
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $850 helped Jairo Javier to buy metal sheeting and lumber to repair his house.
99% repaid
Repayment Term
28 months (Additional Information)
Repayment Schedule
Nov 20, 2012
Dec 10, 2012
Currency Exchange Loss:
Aug 17, 2014