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Telma Maria
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Telma Maria O. is originally from the town of Cinco Pinos, where she owns her house and lives with her three small school-age children. She currently needs additional income to repair her house’s poor infrastructure, which for a long time has been deteriorating and requires new walls and a roof.

Aware of the need for repairs and concerned for her children’s safety, Telma began fixing her house. Lacking economic means, however, she has had to wait to continue the work. She attended a Ceprodel meeting to obtain the necessary credit, which she will use to purchase construction materials and hire help to continue with the work on her house. This support will ensure her children no longer run the risk of a problematic situation and will have a better future.

Translated from Spanish by Todd M. Anderson

La señora Telma Maria O. es originaria del municipio de Cinco Pinos donde posee su casa de habitación que alberga a sus tres pequeños hijos en edades escolares. La necesidad actual de esta dama es la pronta inversión para eliminar la mala infraestructura de su vivienda ya que desde hace mucho tiempo atrás se ha venido deteriorando y hoy en día amerita el cambio de paredes y cambio de techo.

Consciente de esta necesidad y por la seguridad de sus pequeños hijos, ella comenzó a reconstruir su casa pero al hacerle falta el recurso económico se ha encontrado en espera para continuar con la obra. Hoy en día ha asistido a Ceprodel para obtener el crédito necesario con el cual continuar con la reconstrucción de su casa de habitación por medio de la compra de los materiales de construcción y el pago de la mano de obra. De esta manera al recibir este apoyo, sus hijos dejan de correr el riesgo de alguna situación problemática y les asegura un mejor futuro para ellos.

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
  • 91
    View loans »
    Nicaragua Loans Fundraising
  • $24,771,875
    Funds lent in using Kiva
  • 19.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Telma Maria purchase of construction materials.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Jul 4, 2008
May 31, 2008
Currency Exchange Loss:
Jan 15, 2010