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Melba Idania
Melba is a native of the municipality of San Rafael del Sur, Nicaragua. She has worked as a primary school teacher for six years.

Melba inherited a piece of land from her grandfather, and with her savings and a loan she began to buy construction materials to build her own home.

Melba is married with three young children, two of whom are school-age. She now has her own small, modest but very cozy home thanks to her efforts. She is requesting this loan to finish construction of the kitchen and to build an additional bedroom for her youngest child.
View original language description ↓
La Señora Melba Idania es originaria del municipio san Rafael del sur Nicaragua es profesora de educación primaria tiene seis años de trabajar para este ministerio.

Doña Melba con una herencia del abuelo de un solar, ahorro y un financiamiento empezó a comprar materiales de construcción para hacer su casa.

Esta casada tiene tres hijos menores de edad, dos de ellos en edad escolar. Tiene casa propia pequeña humilde con mucho calor humano, gracias a sus esfuerzos.

Ahora la Señora Melba ya tiene casa propia pero necesita un financiamiento para terminar de construir la parte de la cocina y otra habitación para su hijo menor.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,406,150
    Funds lent in using Kiva
  • 24.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Melba Idania to buy cement, sand, tiles and cement blocks.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Feb 25, 2013
Mar 17, 2013
Currency Exchange Loss:
Jul 18, 2014