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José Emilio
José Emilio lives in Managua, Nicaragua and is known for being a hardworking person of good moral character. He has three people to support and has been working as a driver for the state for five years.

He will use the money from the loan he is requesting through CEPRODEL to buy building materials such as ceramic tiles and to pay for labor so that he can have the floor installed in his house. He want to be able to give his family better living conditions.

He used the money from the first loan to make some other improvements for his family’s wellbeing and financial development.
View original language description ↓
José Emilio vive en la ciudad de Managua Nicaragua, se caracteriza por ser una persona luchadora de buenas costumbres morales, tiene a su cargo tres personas. El se desempeña como conductor desde hace cinco años en una institución del estado.

El crédito que está solicitando a CEPRODEL es para comprar materiales de construcción como cerámica, boom, pago de mano de obra y así poder poner el piso, para darle una mejor condición de vida a su familia.

Con el primer financiamiento que le fue otorgado, pudo avanzar un poco en mejorar su casa para el bienestar y el desarrollo económico 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
  • 69
    View loans »
    Nicaragua Loans Fundraising
  • $25,075,600
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD