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Iris Mercedes
Doña Iris lives in the town of Niquinohomo, which was selected to participate in a pilot program to improve local training with respect to sanitation issues in Nicaragua. Iris is 32 years old, married, and a salaried professional who works for the state. She earns a very low salary as an entry-level clerk. Her family includes her husband and their young daughter. Iris says that she and her husband help one another in supporting their family, which includes paying for their child’s studies and building their house.

She is currently applying to participate in a water and sanitation project, which includes obtaining a loan for the installation of an affordable sanitation system. This includes the installation of a conventional toilet and a wastewater treatment system (that includes a tank and an absorption well). This setup is required because the place where she lives does not have access to sewer lines. For this reason, her family has been using a latrine. Her family is one of thousands who do not have access to improved sanitation. This project will benefit several municipalities across Nicaragua by providing them a better quality of life and a cleaner environment.

Without the opportunity provided by this loan, it would be impossible for Iris to have a toilet installed since it would be very expensive. The cost would be impossible with her low wages. These types of programs are helping extremely poor families since latrines cause illnesses and contaminate the air. Therefore, it is a good idea that these solutions are being targeted at the most vulnerable populations.

View original language description ↓
Doña Iris pertenece al municipio de Niquinohomo, municipio que fue elegido para el programa de creación de alianzas para el fortalecimiento de las capacidades locales para el saneamiento de Nicaragua, es casada, con 32 años de edad, Profesional, asalariada trabajadora del estado con un ingreso muy bajo, oficinista con un cargo de menor rango. Su núcleo familiar lo conforman su esposo y su niña que es menor de edad.

Ella comenta que entre los dos se han apoyado para salir adelante como familia, apoyándose con los estudios y la casa que construyeron.

Actualmente están aplicando para el proyecto de agua y saneamiento, a través de un financiamiento para instalar un sistema sanitario económico que consiste en la instalación de un inodoro convencional con la construcción de sistema de tratamiento de efluentes (un tanque y un pozo de absorción), esto lo requiere ya que por donde ella habita no es posible el acceso a aguas negras, por lo que para su uso la familia cuenta con una letrina, siendo su familia una de la miles que no tienen acceso al saneamiento mejorado, con este proyecto que esta beneficiando a varios municipios del país, le permitirá mejorar su calidad de vida y también contribuir con el medio ambiente.

sin la oportunidad de este crédito es imposible que Iris tenga acceso a un inodoro ya que es muy costoso. con su bajo salario es imposible que logre instalar, estos programas vienen ayudar a familias muy pobres. las letrinas causan enfermedades y contaminan el medio ambiente, es por ello que nace la idea de crear estas soluciones dirigidas al sector mas vulnerable.

Additional Information

More information about this loan

This loan is part of CEPRODEL's initiative to expand access to sanitation facilities. Working with the World Bank and local governments, CEPRODEL offers these loans to help clients buy environmentally-responsible toilets, sinks, and shower/bath systems. Eligible recipients include clients and families who live in very poor regions of Nicaragua, lack access to water, or are employed making handicrafts or as roving salespeople. Along with these loans, clients receive environmental education training from the World Bank to better understand how plumbing interacts with the local ecosystem. By supporting this loan, you are making a difference in a country where 48% of the population lacks access to proper sanitation.


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
  • 72
    View loans »
    Nicaragua Loans Fundraising
  • $25,049,000
    Funds lent in using Kiva
  • 24.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Iris Mercedes to buy materials for installing a toilet and a wastewater treatment system.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Feb 4, 2013
Mar 2, 2013
Currency Exchange Loss:
Jul 18, 2014