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Juan Ramón
Juan Ramón is single and responsible for two people under his care. He lives in Managua and has worked for a state company as a driver for twelve years. He is a responsible and hard worker with a take-charge attitude. He wants to get ahead in order to give his family a better life.
He will use this loan, requested from CEPRODEL, for the purchase of electric materials in order to change the whole electrical system, which is in bad shape, and to pay the labourers.
With this loan, he will invest in the security of his family's home. Because his income is very low, he has not been able to make this investment. He has faith that with the support of Kiva and CEPRODEL he will succeed.
View original language description ↓
Juan Ramón es soltero con una responsabilidad de dos persona bajo su cargo, vive en Managua, es trabajador de una empresa del estado, donde se desempeña como conductor desde hace doce años, responsable luchador con actitud de superación para poder darle una vida mejor a su familia.

El crédito que solicita a CEPRODEL lo utilizara para comprar materiales de electricidad, para cambiar todo el sistema eléctrico ya que esta en mala condiciones y pagar mano de obra.

Con este financiamiento lo va invertir en a segurar la vivienda de su familia, porque su ingreso son muy bajo y no ha podido hacer esa inversión, pero tiene fe con el apoyo de KIVA-CEPRODEL que lo va a lograr.

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
  • 75
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 24.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Juan Ramón to buy construction materials.
100% repaid
Repayment Term
24 months (Additional Information)
Repayment Schedule
Apr 30, 2013
May 11, 2013
Currency Exchange Loss:
Jul 18, 2014