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Harold lives in the town of Santa Rosa del Peñon, a beautiful and charming town where many different business and farming activities take place.

Harold is 33 years old. He fights for his life and those of the two small children under his care, who he loves and appreciates. He works providing labor services at a school. Likewise, his wife works providing labor services.

Today they see the necessity of wanting to expand their home a little more since their family is growing. He is requesting this loan to purchase zinc, bricks, and cement and to pay laborers. He is only able to achieve this with a loan from Ceprodel and Kiva finances this type of activity.

He is grateful to all the people who help with this loan and always think about people with limited financial resources to give them the opportunity to succeed in life.
View original language description ↓
Harold habita en el municipio de Santa Rosa del Peñon, un bello y encantador municipio, donde existen diferentes actividades comerciales y ganadería.

Harold se llama el Joven de 33 años edad Luchador por su vida y la de dos hijitos bajo su cargo que tanto ama y estima, se dedica a brindar sus servicios laborales en uno de los centro de enseñanza.

De igual forma su esposa se dedica a brindar sus servicios laborales, hoy en día se vio la necesidad de querer ampliar un poco más su vivienda, debido a que en su familia va creciendo, solicita un crédito para la compra de: zin, Ladrillo, Cemento y pago de Mano de Obra. Esto solo lo puede lograr con un crédito a través de Ceprodel y Kiva le financie este tipo de actividad.

Agradece a este tipo de personas que ayudan con crédito y que siempre piensan en las personas de escasos recursos económico de darle la oportunidad de poder salir adelante en su 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

  • $4,800
    Average annual income
  • 95
    View loans »
    Nicaragua Loans Fundraising
  • $24,749,225
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Harold to purchase zinc, bricks, and cement, and to pay laborers.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Mar 22, 2013
Apr 7, 2013
Currency Exchange Loss:
Jul 18, 2014