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Ana Julia
Santa Rosa del Peñón is a small town, and host to various commercial activities. It is here that Ana Julia lives. She is 45 years old.

Ana Julia is a single mother. She is a primary education teacher, and has worked in the Santa Rosa del Penon region for 17 years. She has a daughter that is studying at the university. She barely maintains her daughter's university expenses, but she also sees improving her home as a great necessity, so she is asking for financing from Kiva and Ceprodel to buy cement, bricks and sand. With this she will cover part of her needs.

She counts on her good health, honesty, and her good credit record, which have been improving her home.

She thanks God for having enlightened her that she can request a loan with Ceprodel and Kiva, and she hopes that they will provide her the financing to be able to achieve part of her biggest dreams.
View original language description ↓
Santa Rosa del Peñón un pequeño pueblo, donde existen diversas actividades comerciales, es aquí donde habita la joven Ana Julia de 45 años de edad.

Ana Julia es una madre soltera, es maestra de educación primaria labora en una comarca de santa rosa del peñon desde hace 17 años, cuenta con una hija quien está estudiando en la universidad, a duras penas ella mantiene los gastos universitario de su hija, pero también ve de gran Necesidad, mejorar su vivienda, por tal razón solicita un financiamiento a Kiva Y Ceprodel para la compra de: Cemento, ladrillo y Arena, con esto cubriría parte de su necesidades.

Cuenta con una buena salud, su honestidad y su buen record crediticio que le han ido mejorando su vivienda.

Agradece a Dios por haberle iluminado de poder Solicitar un Crédito con Ceprodel y Kiva y espera que le brinden el financiamiento para poder llegar a obtener parte de sus principales sueños.

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
  • $24,738,450
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Ana Julia to buy cement, bricks and sand.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Dec 27, 2012
Jan 22, 2013
Currency Exchange Loss:
Mar 18, 2014