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María Del  Carmen
This is the profile of the client Doña María. She is belongs to the county of Niquinohomo’s, one of the principle counties for the program of the creation of alliances to strengthen the local capacities for the reparation of Nicaragua. She is married and is 54-years-old. She is a teacher and worker in the educational system of the state through which she relies on low wages.

Her nuclear family consists of her husband and her two children that are not adults. Maria is the one that has a fixed income in her family since her husband works on certain occasions when they offer him work as a mason.

At this time she saw the need to get finances to install a inexpensive bathroom. This consists of a commercial grade toilet and the water treatment of plumbing (a reservoir tank and absorption well). They currently have a Porto potty. Her family is one of thousands that does not have access to sanitary facilities. With this project that includes several counties in the country, she would be allowed to make the improvement to her house that she needs so much.

This project is an opportunity for many Nicaraguan that live the reality of not having access to a sanitation system. With her low income it is impossible to install one, but with this system they have the opportunity to set up an improved system for low income families. The current toilets cause sickness and contaminate the area, for this reason the idea was created to have a solution directed to the poorest people.
View original language description ↓
Perfil del Cliente Doña María pertenece al municipio de Niquinohomo, uno de los municipios participante del programa de creación de alianzas para el fortalecimiento de las capacidades locales para el saneamiento de Nicaragua, es casada, con 54 años de edad, docente, trabajadora del sistema educativo del estado, cuenta con ingreso bajo.

Su núcleo familiar lo conforman su esposo y sus dos hijos que son menores de edad.
La señora María es la que tiene ingresos fijos en su familia ya que su esposo trabaja en ocasiones, cuando le ofrecen trabajo de albañilería.

En estos momentos vio la necesidad de solicitar un financiamiento para instalar un unidad sanitaria económica 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), ya que actualmente ellos cuentan con letrinas, siendo su familia una de la miles que no tienen acceso al saneamiento mejorado, con este proyecto que incluye a varios municipios del país, le permitirá realizar esa mejora en su casa que tanto lo necesita.

Este proyecto es una oportunidad para muchas familias nicaragüense que vive esa realidad de no contar con acceso a sistemas sanitarios. Con solo sus ingresos que son bajos , se le hace imposible que logre instalar uno, pero con este programa tiene la oportunidad de accesar a un sistema mejorado para familias mas pobres, las letrinas causan enfermedades y contaminan el medio ambiente, es por ello que nace la idea de crear estas soluciones dirigidas al sector más pobres.

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 Nicaragua

  • $3,636
    Average annual income
  • 153
    View loans »
    Nicaragua Loans Fundraising
  • $24,072,325
    Funds lent in using Kiva
  • 24.6
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $900 helped María Del Carmen to purchase materials for the construction of a shed and sanitary unit such as: sand, cement blocks, iron, stone, watercloset, and accessories.
55% repaid
Repayment Term
39 months (Additional Information)
Repayment Schedule
Feb 27, 2013
Mar 2, 2013
Currency Exchange Loss: