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Bernardo Antonio
Santa Rosa del Peñón is a beautiful and charming municipality with various types of companies that help residents find work. Fifty-three year-old Bernardo Antonio works as a secondary school teacher. He is a determined man who fights to provide for himself and his family.

He lives with his wife and their three children, whom he loves very much. His wife is also a teacher and with the little that she earns she helps to support their family.

One of his dreams is to construct a kitchen in their home. This is the reason he is asking for a loan from Kiva and Ceprodel to purchase cement, sand, corrugated metal roofing and wood. With this, his family's quality of living would greatly improve.

He gives thanks to God for the honourable people that help in this type of activity. He mainly thanks Kiva and Ceprodel for caring about the living conditions of struggling families like Bernardo's.
View original language description ↓
Santa Rosa del Peñón, es un bello y encantador municipio, donde existen diferentes tipos de empresas que ayudan a la población en empleo.

Bernardo Antonio se llama el señor de 53 años edad Luchador por su vida y la de su familia, brinda sus servicios maestro de educación secundaria.

Vive con su esposa y sus tres hijos que tanto ama, ella se dedica a la misma actividad, con lo poco que gana ayuda en el sustento diario en su hogar.

Son de sus sueños construir una cocina en su casa de habitación, por tal razón solicita a Kiva Y Ceprodel que le financie un crédito para la compra de: Cemento, Arena, zin y madera con esto ayudaría mucho a mejorar las condiciones de vida de su familia.

Agradece a Dios por existir personas tan honorable que ayudan a este tipo de actividad, principalmente agradece a kiva y Ceprodel por ser unos de los que piensan en las condiciones de vida de las familias luchadoras como es el caso de Bernardo.

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
  • 144
    View loans »
    Nicaragua Loans Fundraising
  • $24,094,200
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Bernardo Antonio to buy cement, sand, corrugated metal roofing and wood.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 30, 2013
May 9, 2013
Currency Exchange Loss:
Jun 17, 2014