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Bernardino is from the city of Estelí. He is married and has one school-age child. He is noted for being a humble, responsible, hard-working person. He is a carpenter, or cabinetmaker, by trade and his work consists of making household furniture. It is through selling these items of furniture that he covers his family's expenses.

Bernardino is requesting a loan to buy building supplies such as sand, a toilet, tiles, pipes, cement, wood and bricks in order to build a bathroom in his home. He is grateful to Kiva and Ceprodel for the support they are providing which will make it possible for him to install a bathroom, provide his family with better living conditions and also protect the environment.
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Bernardino es originario de la Ciudad de Estelí es casado y tiene un hijo en edad escolar se caracteriza por ser una persona humilde, responsable y trabajadora su oficio es carpintero o ebanista, el cual su trabajo consiste en elaborará mueble para el hogar con la venta de estos muebles el facilita para los gastos familiares.

Esta solicitando un financiamiento para compra de materiales de construcción, tales como arena, inodoro , cerámica, tubería, cemento, madera y ladrillo, esto para construir servicio sanitario en su vivienda.

Don Bernardino agradece a kiva y ceprodel por el apoyo brindado ya que esta manera podrá ser posible instalar el sistema de servicio sanitario y darle una mejor condición de vida a su familia y también protección al medio ambiente.

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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,075,600
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Bernardino to buy building supplies to build a bathroom.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 18, 2013
Jun 10, 2013
Currency Exchange Loss:
Jun 17, 2014