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Ricardo Javier
Señor Ricardo Javier is the father of three children. For the last five years, he's had a small sales stall in one of the markets in León, where he sells tortillas and plastic bags. Señor Ricardo starts working at 3:00am making tortillas. He later transfers them to his sales stall, where he also sells all types of plastic bags to his customers. He does this work to support his family.

Señor Ricardo is requesting the loan to purchase metal sheeting, beams and screws to make improvements to his humble abode. Winter is approaching, and the improvements will allow him to offer his small children more comfort and improve their quality of life.
View original language description ↓
El señor Ricardo Javier, es padre de tres hijos, posee un pequeño tramo de venta de tortillas y bolsas plásticas en uno de los mercados de la ciudad de León desde hace 5 años, inicia sus labores desde las 3:00am en la elaboración de tortillas posterior se traslada a su tramo así mismo distribuye bolsas plásticas de toda clase a su clientela, el realiza este tipo de trabajo para llevar el sustento a su familia.

El señor Ricardo está solicitando un crédito para compra de zinc, perlines y golosos y así realizar mejora a su humilde vivienda ya que se aproxima el invierno, lo que permitirá brindar mejor confort y mejorar su calidad de vida para sus pequeños hijos.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Ricardo Javier to purchase metal sheeting and beams and to pay for labor.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Mar 23, 2013
Apr 15, 2013
Currency Exchange Loss:
Sep 17, 2013