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Ana Bertha
Ana Bertha is originally from the municipality of Larreynaga, located 50 km from the province of León, surrounded by flower-covered mountains and many streams. This humble woman was raised in this small town, and had two children that are well-behaved young people who are studying for university degrees.

With great effort she has worked as a teacher, traveling daily to the community of Zarzales and getting up at five o'clock in the morning in order to be at her work center on time. She also has the help of her husband who makes the sacrifice of being far from home to work as a laborer in a country neighboring El Salvador so he can pay for their children's studies.

She first approached Ceprodel when she heard that there were some funders who support the most needy, with the goal of requesting a loan in order to invest it in her home. She wishes to buy cement, sand, bricks, and iron, in order to build a concrete wall to prevent water from entering her house due to the abundant rainfall, because the area where they live floods often. She asks from the bottom of her heart that these investors support her request, in which case she would be eternally grateful.
View original language description ↓
Ana Bertha es originaria del municipio de Larreynaga ubicado a 50 km del departamento de León rodeado de montañas florecidas y de muchos ríos caudalosos.

En este pequeño pueblo se crió esta humilde mujer que procreó dos hijos los cuales son jóvenes de bien que estudian una carrera universitaria.
Con gran esfuerzo desempeña la labor de maestra donde a diario viaja a la comunidad de los Zarzales y se levanta a las cinco de la mañana para estar puntual en su centro de labores. Cuenta también con la ayuda de su esposo quien se sacrifica estando lejos de su hogar laborando como obrero en el país vecino El Salvador para poder pagar los estudios de sus hijos.

Por primera vez se presentó a Ceprodel ya que escuchó que hay unos financiadores que apoyan al más necesitado con el objetivo de solicitar un crédito para invertirlo en su vivienda con el que comprará cemento, arena, ladrillos, hierro, ya que quiere construir un muro de concreto para evitar que el agua de las abundantes lluvias se introduzcan a la vivienda, debido a que la zona donde habita se dan mucho las inundaciones.
Pide de corazón a estos inversionistas que apoyen su solicitud donde quedará eternamente agradecida.

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

  • $3,636
    Average annual income
  • 133
    View loans »
    Nicaragua Loans Fundraising
  • $24,060,850
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Ana Bertha to buy cement, sand, bricks and iron.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 29, 2013
Jun 30, 2013
Currency Exchange Loss:
Jul 18, 2014