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Adriana Mercedes
Adriana Mercedes is a teacher with more than twenty years of experience. She is married and the mother of three school-aged children.

Adriana Mercedes lives in the municipality of El Sauce. She feels very happy about and proud of being a native of this town, which is full of kindness and generous people.

Thanks to all of the loans that Ceprodel has financed with Kiva lender funds, Adriana Mercedes has enormously improved her housing. Today she and her family have better living conditions, and therefore a better quality of life.

She currently wants to build a sewer drain to install a toilet. In her town, there is no sewer. She wants to stop using the family restroom, which doesn't offer adequate conditions to keep her family healthy and does contaminates the environment.

With this loan, Adriana Mercedes plans to purchase bricks, cement and sand.
She trusts in G-d that the Kiva investors will approve her request so she will be able to make her investment.
View original language description ↓
La profesora Adriana Mercedes es una maestra con más de veinte años de experiencia, casada, madre de tres hijos en edad escolar.

Habita en el municipio de El Sauce y se siente muy contenta y orgullosa de ser originaria de este pueblo lleno de bondades y de gente muy generosa.

Gracias a todos los créditos que le ha financiado Ceprodel con fondos de los inversionistas Kiva ha mejorado enormemente su vivienda, hoy tienen mejores condiciones de vida ella y su familia y por lo tanto un mejor nivel de vida.

Actualmente quiere construir un sumidero para instalar un inodoro, ya que en este poblado no existen aguas negras con el fin de no usar más el servicio higiénico que no presta las condiciones adecuadas atenta contra la salud de su familia y a contaminar el medio ambiente.

Con este crédito pretende comprar ladrillos, cemento y arena.
Confía en Dios que los inversionistas de Kiva aprobarán su solicitud para llevar a cabo su inversión.

Additional Information

More information about this loan

This loan is part of CEPRODEL's initiative to expand access to sanitation facilities. Working with the World Bank and local governments, CEPRODEL offers these loans to help clients buy environmentally-responsible toilets, sinks, and shower/bath systems. Eligible recipients include clients and families who live in very poor regions of Nicaragua, lack access to water, or are employed making handicrafts or as roving salespeople. Along with these loans, clients receive environmental education training from the World Bank to better understand how plumbing interacts with the local ecosystem. By supporting this loan, you are making a difference in a country where 48% of the population lacks access to proper sanitation.


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
  • 62
    View loans »
    Nicaragua Loans Fundraising
  • $25,382,700
    Funds lent in using Kiva
  • 25.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Adriana Mercedes to purchase bricks, cement and sand.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 15, 2013
Jun 3, 2013
Currency Exchange Loss:
Jun 17, 2014