José Leonel is called "el Joven," the Boy. He is 44 years old. He fights hard everyday for both himself and his family. He works in one of the local cities. He lives together with his wife and three children under his care. His wife works as a gradeschool teacher, and with the little that she makes is able to help her husband with the daily expenses of the household.
One of José's dreams is to improve his home. For this reason he is requesting a loan through Kiva and CEPRODEL in order to purchase the cement, sand, and rebar the family needs to be able to improve their home. He is grateful to God that he found Kiva and CEPRODEL and so has the opportunity to apply for his fifth loan. He has been acquiring his home through the use of loans from Kiva and CEPRODEL, and so this one will go toward making improvements.
José Leonel se llama el Joven de 44 años edad Luchador por su vida y la de su familia, brinda su servicio en uno de los centro.
Vive con su esposa y tres hijos bajo su cargo, ella trabaja como Maestra de educación primaria, con lo poco que gana ayuda a su esposo en el sustento diario de su hogar.
Son de sus sueños mejorar su vivienda, por tal razón solicita a Kiva Y Ceprodel que le financie un crédito para la compra de: Cemento, Arena, hierro con esto ayudaría mucho a su familia en poder mejorar su viviendita.
Agradece a Dios por haber encontrado a kiva y Ceprodel y tener la oportunidad de solicitar su quinto crédito, ya que su vivienda la ha ido obteniendo a través de crédito con Kiva Y Ceprodel, por eso solicita nuevamente para la mejora de su vivienda.
About CEPRODELThis 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.
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