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Arabella is a young woman who lives in the urban area of the city of Condega which is about 35 kms north of the head department of Estelí. She is single and lives in her own house.

This young lady is a teacher at an elementary school in the city of Condega, where she works Monday through Friday, from 7:00 a.m. to 12:00 noon. In the afternoods she plans her classes for the next day and on weekends sells beauty products by catalogue to make extra income.

This borrower came to the Ceprodel offices to request a loan to buy construction materials to renovate her house. She is planning to buy zinc metal sheeting for maintenance of her roof, as well as cement for the walls of her house. She will also hire workers to do the job.

It is worth mentioning that this is her fourth loan and she is requesting it because her monthly income is not enough to cover the full renovation cost. She hopes the loan will be approved because the rainy season is approaching and she wants to have her house ready by then. She is very grateful to Ceprodel because the previous loan also helped with her home renovation so she could have a decent roof over her head.
View original language description ↓
La joven Arabella reside en el casco urbano dela Ciudad de Condega a unos 35 km al norte de la cabecera departamental de Estelí, ella es soltera y reside en su propia casa de habitación.

Esta joven es maestra y a diario imparte clases a niños en un colegio de primaria en la misma ciudad de Condega, ella trabaja de lunes a viernes de las 7 am las 12 m y por la tarde ella planifica su clase del día siguiente, y los fines de semana esta joven se dedica a vender productos de belleza por catalogo y de esta manera tener un ingreso extra.

Esta clienta se presento a las oficinas de Ceprodel para solicitar un financiamiento para la compra de materiales de construcción para realizar unas mejorar en su vivienda, ella piensa comprar varias laminas de zinc para el mantenimiento del techo de su casa así como para la compra de cemento y afinar las paredes de su casa y el pago de mano de obra de los albañiles.

Cabe mencionar que esta clienta es el crédito numero cuatro que ella solicita ya que sus ingresos mensuales no le dan para asumir por cuenta propia el gasto del mejoramiento de su casa de habitación y espera que dicho financiamiento le sea aprobado ya que se aproxima la época lluviosa y pretende tener en buenas condiciones su casa. Ella se muestra agradecida con Ceprodel ya que los financiamientos anteriores le han permitido ir mejorando su vivienda y así teniendo un techo mas digno.

Additional Information

More information about this loan

This loan is part of CEPRODEL's initiative to expand access to sanitation facilities. Working with the World Bank and local governments, CEPRODEL offers these loans to help clients buy environmentally-responsible toilets, sinks, and shower/bath systems. Eligible recipients include clients and families who live in very poor regions of Nicaragua, lack access to water, or are employed making handicrafts or as roving salespeople. Along with these loans, clients receive environmental education training from the World Bank to better understand how plumbing interacts with the local ecosystem. By supporting this loan, you are making a difference in a country where 48% of the population lacks access to proper sanitation.


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
  • 78
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Arabella to buy metal sheeting and cement, and to hire workers to renovate her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 8, 2013
May 2, 2013
Currency Exchange Loss:
May 17, 2014