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Luis Margin
Achuapa is a small town which has a number of different businesses in it and it is here that Luis Margin lives.

Luis Margin is a responsible father, with two children in his charge. He is barely able to give them a good upbringing but it is now necessary to improve his home, so he is applying for a loan from Kiva and Ceprodel to buy cement, bricks and sand. With this he will be able to cover the necessities of improving the small roof and giving his children a healthier life.

Luis Margin is in good health. He is an honest worker and his good credit rating have helped him improve his home.

He thanks God for helping him to continue applying for loans with Ceprodel and Kiva and he hopes he will receive this small loan to help him with the small dreams he has had in his life.
View original language description ↓
Achuapa un pequeño pueblo, donde existen diversas actividades comerciales, es aquí donde habita el joven Luis Margin.

Luis Margin es un Padre responsable con sus dos hijos bajo su cargo, ambos a duras penas le está brindando una linda educación, 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 de mejorar el pequeño techo y brindarle una mejor vida saludable a sus hijos.

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

Agradece a Dios por haberle iluminado de poder seguir Solicitando Crédito con Ceprodel y Kiva y espera que le brinden el pequeño financiamiento y poder cumplir con sus pequeños sueños que en su vida ha tenido.

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
  • 103
    View loans »
    Nicaragua Loans Fundraising
  • $24,739,175
    Funds lent in using Kiva
  • 24.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Luis Margin to buy cement, bricks, and sand.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 22, 2013
Feb 27, 2013
Currency Exchange Loss:
Apr 16, 2014