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José Ernesto
José Ernesto lives in Managua in Nicaragua. He is a person with good moral values. He serves as a cleaning supervisor in a State business and has been doing this for 7 years. He is single and has 3 people in his care.
The loan that he is requesting from Ceprodel will be used to buy materials such as zinc, beams, and paying laborers to repair the roof of his house which is in a bad state and so he can offer his family security.
José Ernesto is very grateful to Ceprodel-Kiva because only through them has he been able to renovate and improve his family's standard of living.
View original language description ↓
Don José Ernesto vive en Managua de Nicaragua, es una persona con buenos valores morales, se desempeña como supervisor de limpieza en una empresa del estado desde hace siete año, su estado civil es soltero con tres persona a su cargo.

El crédito que solicita a CEPRODEL lo utilizara para comprar materiales tales como cinc, perlin y pago de mano de obra, para la reparación del techo de su vivienda que esta en mal estado y darle seguridad a su familia.

José Ernesto esta muy agradecido con Ceprodel-Kiva porque a través de ellos solo así a salido adelante acondicionando y mejorando el nivel de vida a su familia.

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 Nicaragua

  • $4,800
    Average annual income
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped José Ernesto to buy construction materials.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 21, 2013
Apr 7, 2013
Currency Exchange Loss:
May 17, 2014