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Wilfredo is a 48-year-old gentleman who is married and comes from the municipality of El Sauce. He is the father of two daughters. He graduated as an Environmental Engineer, because he is passionate about ecology and plants.

He currently works as director of the training division of a private institution, where he gives talks on topics related to the environment.

One of his great dreams is to see his two daughters educated and to have a house with all of the conditions to give his family a dignified life. For this reason he works hard day by day to carry out his work well and keep his job for many years.

Due to the low salaries earned in Nicaragua, people often need loans so that they can achieve their dreams. For this reason he is requesting a loan from Ceprodel and asking for support from the Kiva investors so that he can improve the floor of his home. With the loan he will buy ceramic tile and cement and pay for labor.
View original language description ↓
Don Wilfredo es un señor de 48 años, casado, originario del municipio de El Sauce, padre de familia de dos hijas, se graduó como Ingeniero Ecológico porque le apasiona la ecología, las plantas.

Actualmente se desempeña como Director del área de capacitación en una Institución privada donde imparte charlas sobre temas relacionados al medio ambiente.

Uno de sus grandes sueños es ver preparadas a sus dos hijas y tener una vivienda con todas las condiciones para darle una vida digna a su familia, por eso se esfuerza día a día para ejercer un buen trabajo y tenerlo por varios años.

Debido a los bajos salarios que se ganan en Nicaragua las personas muchas veces necesitan de los créditos para poder cumplir sus sueños, por tal motivo está solicitando un crédito en Ceprodel y pide el apoyo a los inversionistas de Kiva para poder mejorar el piso de su vivienda con el cual comprará cerámica, cemento y pago de mano de obra.

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

  • $3,636
    Average annual income
  • 130
    View loans »
    Nicaragua Loans Fundraising
  • $24,054,525
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Wilfredo to buy ceramic tiles and cement and to pay for labor.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 15, 2013
May 3, 2013
Currency Exchange Loss:
May 17, 2014