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Noel Antonio
Noel Antonio has been living in his own home in Managua for over 14 years. He is married and has been working for a state enterprise for three years. His work enables him to earn an income to sustain the family and cover expenses.

He approached the Ceprodel offices a second time to apply for a loan to assist in building a toilet facility in his home, which he built himself.

Noel Antonio is requesting this loan as his monthly income is not enough to take on the construction expenses, therefore he is requesting approval for this loan so that he can improve his home. He would like to give thanks in advance for the help in improving housing conditions for his family and the standard of living for his children.
View original language description ↓
El señor Noel Antonio reside en casa propia desde hace más de catorce años en Managua, es casado, tiene de trabajar tres años en una empresa del estado. De esta manera él labora para tener su ingreso que le sustenta los gastos familiares.

El señor Noel Antonio se presento a las oficinas de Ceprodel por segunda vez a solicitar un financiamiento para poder construir su servicio higiénico en su casa de habitación que ha ido construyendo con esfuerzo propio.

El solicita este crédito ya que sus ingresos familiares mensuales no son lo suficiente como para asumir por su propia cuenta los gastos que implica la construcción de dichos servicio, por lo que él pide se le aprobé este crédito y lograr mejorar su casa de habitación y agradece de antemano le sea aprobado el crédito ya que quiere mejorar las condiciones de su casa y mejor el nivel de vida a sus hijos.

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
  • 72
    View loans »
    Nicaragua Loans Fundraising
  • $25,073,225
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Noel Antonio to purchase construction materials.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Apr 27, 2013
May 12, 2013
Currency Exchange Loss:
Jul 18, 2014