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Tomas Alberto
Tomas is a secondary school teacher and has been working for twenty-four years. He is married and has two adult sons. His spouse is a primary school teacher. They have a house of their own, but Tomas needs money to build a porch at the front, since at the moment there is nothing and that is dangerous. To build this, he needs supplies such as stones, sand, iron, and cement. Tomas is very grateful for the previous loans he was granted, which helped him tremendously. It is thanks to them that he was able to have a house of his own, which would have been impossible with just his and his wife's salaries.
View original language description ↓
El Sr. Tomas es profesor de educación secundaria tiene veinte y cuatro años de laborar, es casado tienen dos hijos mayores de edad, su esposa también es profesora de educación primaria.
Don Tomas tiene casa propia, pero necesita un financiamiento para hacer un aumento al frente de su casa de habitación un porche porque está abierto y es peligroso. Para esto necesita comprar materiales de construcción como piedras, arena, hierro y cemento.
Este cliente se siente muy bien por todo el apoyo que se le ha brindado con los financiamientos anteriores que se les ha otorgado que solo así ha podido tener su propia casa ya que solo con su salario se les hace difícil por lo que es poco los que ganan.

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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Tomas Alberto to buy construction materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 21, 2012
Jan 6, 2013
Currency Exchange Loss:
Jan 18, 2014