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Zenayda De Jesús
Zenayda de Jesús, 64, is from the municipality of El Sauce. She’s the mother of 8 children two of which are still in her care. She’s had a tough life to live having to raise so many children even more so when living in the countryside where life is even more difficult and there is more poverty due to unstable income.

When she moved to the urban zone, she spent many years renting her home in order to work and earn steady income to provide daily bread and help her children attend school. With help from loans Kiva and Ceprodel have provided she managed to buy a small lot to start building her own house using also her salary as a caretaker at a local school where she’s been working for the last 13 years.

She currently wants to improve the floor in her small house because it’s currently dirt and this is why she’s asking for the loan to buy paving stones, cement and to pay labor costs in order to improve her living conditions. She trusts in God that her case will touch the hearts of lenders so her loan will be granted and she can carry out this investment.
View original language description ↓
Doña Zenayda de Jesús es originaria del municipio de El Sauce, una señora de 64 años de edad, madre de ocho hijos solamente dos de ellos a su cargo.

Le ha tocado una vida dura criar a tantos hijos y más cuando vivía en el campo donde la vida es más difícil y se percibe más la pobreza porque no hay ingresos estables.

Desde que se trasladó a vivir a la parte urbana pasó muchos años alquilando vivienda para poder trabajar y tener ingresos fijos para poder llevar el pan de cada día a su hogar y ayudar a que sus hijos estudiaran.

Con la ayuda de los créditos que le ha financiado Kiva a través de Ceprodel logró comprar un pequeño predio para iniciar a construir su propia vivienda y con su salario laborando como conserje en un colegio de la localidad donde tiene 13 años de dedicarse a este oficio.

Actualmente quiere mejorar el piso de su pequeña casa ya que es de tierra por eso está solicitando un crédito para la compra de ladrillo de piso, cemento y pago de mano de obra con el fin de tener mejores condiciones de vida.

Confía en Dios que su caso tocará los corazones de estos inversionistas para que le otorguen este crédito y poder llevar a cabo su inversión.

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

  • $3,636
    Average annual income
  • 144
    View loans »
    Nicaragua Loans Fundraising
  • $24,086,375
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Zenayda De Jesús to buy building supplies and pay labor costs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 8, 2013
Mar 19, 2013
Currency Exchange Loss:
Apr 16, 2014