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Marina Concepción
Marina is a primary school teacher at a school in San Rafael. She has been working for the ministry for 27 years. She is married and her husband has been working for a company which maintains wells and water pumps for eight years. She has four children who are under her care.

She has applied for a loan to improve her home by buying construction materials to finish putting a floor down in her house. She is a hardworking person who, with her own efforts and her family's support, has provided an education for her children as well as a roof over their heads. Thanks to the contributions of Kiva and Ceprodel, she is able to make one of her greatest dreams come true, which is to have her house made of stone, large and beautiful.
View original language description ↓
La Sra. Marina es profesora de educación primaria de unos de los colegio de san Rafael tiene veinte y siete años de laborar para este ministerio.
Es casada su esposo trabaja para emprosa que es una empresa que se dedica al cuido de pozos y bombeo de agua de enacal, tiene ocho años de laborar, tiene cuatro hijos dos de ellos menores de edad a su cargo.
El dinero lo solicita para mejora de vivienda la compra de materiales para terminar de ponerle el piso a su casa. Es una persona trabajadora que con esfuerzos propios y el apoyo de su familia ha salido adelante con la educación de su hijos y darle una sombra donde esté bien como es su casa, gracias a kiva y ceprodel que también han puesto su granito de arena han podido hacer realidad unos de sus mejores sueño el tener su casa toda de piedra, grande y bonita.

Additional Information

About CEPRODEL

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
  • 149
    View loans »
    Nicaragua Loans Fundraising
  • $23,163,975
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Marina Concepción to buy construction materials (cement, sand, and tile).
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 19, 2013
Listed
May 18, 2013
Currency Exchange Loss:
Possible
Ended:
May 17, 2014