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Rosa María
Rosa María lives in the city of Managua and works as a janitor. She is characterized as responsible and has a school-aged son.

Rosa is asking for a loan to buy cement, iron and corrugated roofing panels to make home improvements. In order to improve her family's living conditions, she hopes to get this support as, without this loan, it would be impossible for her to achieve her dreams.
View original language description ↓
La señora rosa maría vive en la cuidad de Managua trabaja como conserje en una empresa, Se caracteriza por ser responsable tiene un hijo en edad escolar.

Doña rosa esta solicitando un crédito para la compra de cemento, hierro, y zinc para hacerles mejoras a su vivienda.

Para mejorar las condiciones de vida de su familia, espera el apoyo ya que sin este crédito seria imposible realizar sus 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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,075,600
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Rosa María to buy construction materials such as cement, cinder blocks and iron.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jan 31, 2013
Feb 7, 2013
Currency Exchange Loss:
Mar 18, 2014