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Alba Luz
Achuapa is a small town where there are various economic activities. This is where the young Alba Luz, 63 years old, lives.

Alba Luz is a single mother, providing services to the citizens of her town through her business of grinding corn that she can later make into tortillas to sell. She has a son in her care, and works hard to maintain her household. She sees a great need to improve her house, which is why she asks Kiva and Ceprodel for a loan to buy cement, brick and sand. This will cover part of her needs.

She has good health, honesty and a good credit record which has improved the stat of her business.
View original language description ↓
Achuapa Un Pequeño Pueblo, donde existen diversas actividades comerciales, es aquí donde habita la joven Alba Luz de 63 años de edad.

Alba Luz es una madre soltera, trabaja brindando servicio a los ciudadanos que habitan en el municipio, dicho negocio consiste en procesar el maíz con en masa con un molino para luego poder elaborar las tortillas para la venta, cuenta con un hijo bajo su cargo, a duras penas ella mantiene su hogar, pero también ve de gran Necesidad, mejorar su vivienda, por tal razón solicita un financiamiento a Kiva Y Ceprodel para la compra de: Cemento, ladrillo y Arena, con esto cubriría parte de su necesidades.

Cuenta con una buena salud, su honestidad y su buen record crediticio que le han ido mejorando las condiciones de su negocio.

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
  • 66
    View loans »
    Nicaragua Loans Fundraising
  • $25,083,125
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Alba Luz to buy cement, bricks and sand.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 21, 2013
Apr 6, 2013
Currency Exchange Loss:
Apr 16, 2014