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Luz Marina
Luz Marina is from the town of San Rafael. She's an elementary-education teacher and has worked for 34 years. She's a single mother with four adult children; a younger daughter studies in the university.

She's requesting a loan from CEPRODEL to buy construction materials to make improvements on her house: metal roofing, bricks, and cement. She hopes for support to be able to achieve her objective of giving her family a safe roof.
View original language description ↓
La señora Luz Marina es originaria del municipio de san Rafael es profesora de educación primaria,tiene treinta y cuatro años de laborar, es madre soltera tiene cuatro hijos ya mayores de edad, una hija menor de edad estudia en la universidad.

solicita a ceprodel un crédito para la compra de materiales de construcción: zinc, ladrillo y cemento para realizar mejoras en su vivienda. espera apoyo para poder lograr sus odjetivos de brindar un techo seguro a su familia.

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
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $800 helped Luz Marina to buy metal roofing, bricks, and cement.
99% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jan 19, 2013
Feb 6, 2013
Currency Exchange Loss:
May 17, 2014