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Silvia Esperanza
Silvia Esperanza is affectionately known as "Doña Esperancita" by all the inhabitants of the municipality of El Sauce. She’s a 56-year-old mother of three independent children who all became professionals thanks to her efforts since she’s both their mother and father.

Thirty years ago she inherited her business when her mother died and left her two mills so she and her family could live off their income. To date, she provides milling services. She mills corn used to make tortillas and grains to make refreshments. The mill is located at home and is very well-known by residents because of its long history. It’s worth noting that it’s very popular due to the kindness of its owner.

At present, she needs a loan to buy bricks, cement and to pay labor costs to build a drain because her dream is to have a house with adequate conditions. She trusts in God that Kiva lenders will finance her loan via Ceprodel because it’s only by these means that her life’s dreams can be reached.
View original language description ↓
Silvia Esperanza conocida cariñosamente como doña Esperancita por todos los pobladores del municipio de El Sauce, es una señora de 56 años madre de tres hijos todos independientes preparados profesionalmente con el esfuerzo propio de ella, ya que es madre y padre a la vez para ellos.

Hace treinta años heredó el negocio que era de su madre quien falleció y le dejó los dos molinos para que de esos ingresos viviera ella y su familia.

Hoy en la actualidad brinda siempre el servicio de Molino el cual lo ocupan para moler maíz y elaborar tortillas, moler granos para elaborar refrescos, lo tiene ubicado en su vivienda el cual es muy conocido por los pobladores por su gran trayectoria.

Cabe señalar que es muy concurrido por la amabilidad de su dueña.
En este momento tiene la necesidad de un crédito para comprar ladrillos, cemento y pago de mano de obra para la elaboración de un sumidero, ya que uno de sus sueños es llegar a tener una casa con todas las condiciones adecuadas.

Confía en Dios que los inversionistas de Kiva financien su crédito a través de Ceprodel, ya que solo por medio de estos se pueden cumplir sueños en la vida.

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
  • 137
    View loans »
    Nicaragua Loans Fundraising
  • $24,079,275
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Silvia Esperanza to buy bricks, cement and to pay labor costs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 13, 2013
Mar 19, 2013
Currency Exchange Loss:
Apr 16, 2014