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Julia Emperatriz
Santa Rosa del Piñon is a beautiful town where people engage in various commercial activities. Here lives Julia Emperatriz, a young woman of 33, who was born in this lovely town.

With what she earns, she has great difficulty supporting her household. She works as a nurse, is married and has two children in her care. Her husband is employed, and helps to support the household.

Her aim is to improve her home. She considers that her house is in need of repair, and that is why she approached Ceprodel to apply for a small loan. She will use it to buy cement, sand, and pay for labor. With this, she will be able to improve her home and provide her family with greater safety.

She reckons that by the end of the year, her home will be better. But by then, she needs Ceprodel and Kiva to offer her this kind of loan. At the moment, she has only her good health, her ability to work, and her integrity.

She says, "I give thanks to God for being the Illuminator of each of us, and of the people who work with Kiva, who think about the future of low-income people. May he continue enlightening them and giving them the strength, so that they can continue offering financial assistance."
View original language description ↓
Santa Rosa del Peñón se Llama una preciosa Ciudad donde se dedica a diferentes actividades comerciales, es aquí donde habita la joven Julia Emperatriz.

Julia emperatriz se Llama la Joven de 33 años, nacida en este bello municipio, cuyo salario a duras penas cubre el sustento diario de su casa, se dedica a brindarle su servicio, desempeñando el cargo enfermera, cuenta con dos hijos bajo su cargo, casada su espeso cuenta con su empleo, el ayuda al sustento diario de su casa y ella pretende mejorar su vivienda.

Considera que su casa está en malas condiciones, por tal razón se presentó a Ceprodel, para solicitar un pequeño crédito, para la compra de: Cemento Arena y Pago de Mano de Obra, con esto podrá mejorar su vivienda y así mantener más segura a su familia.

Estima que a fines de año su vivienda estará mejor, pero para entonces necesita que Ceprodel y Kiva le brinden este tipo de crédito, de momento solo cuenta con su buena salud, su capacidad de trabajo, y su honradez.
Agradezco a Dios como primer instancia por ser el iluminador cada uno de nosotros y el de estas personas que le trabajan a Kiva que piensan en el futuro de las persona de escaso recursos económico para que les siga iluminado y dándoles fuerza y así seguir brindándole más financiamiento.

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
  • 67
    View loans »
    Nicaragua Loans Fundraising
  • $25,083,125
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Julia Emperatriz to buy sand, cement, and pay for labor.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 28, 2012
Jan 5, 2013
Currency Exchange Loss:
Feb 18, 2014