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Flor De Maria
Flor de María lives in the town of Condega which is 35 km north of the city of Estelí. She is a single mother and has a daughter who lives with her in her own house. She has been living at the same address for some 30 years and is well-known. She has been a teacher for 19 years and teaches secondary pupils at the national school of Condega. She works Monday to Friday from 7am to 12 noon and in the afternoons she plans her classes for the next day.

Flor de María visited the Ceprodel offices to ask for a loan to build a bathroom in her home, through the water and drainage project which Ceprodel is carrying out jointly with the town hall. This project aims to improve the public health of the locals since the underground water supply and sanitation facilities will improve the standard of living.

Flor de María hopes the loan will be approved, giving her the option of this project which will improve her family's health and increase the value of her house. Her income is not sufficient to cover the cost of this project herself in one payment. She is keeping positive and hopes she will become another beneficiary of this project.
View original language description ↓
la señora flor de María habita en el municipio de condega, un pueblo a unos 35 km al norte de la ciudad de Estelí, ella es madre soltera y tiene una hija quien vive con ella en su propia casa de habitación, ella tiene unos 30 años de residir en dicha dirección y es una persona muy conocida.
Ella se desempeña como maestra e imparte clases a alumno de secundaria en el colegio nacional de condega, ella tiene 19 años de desempeñarse como maestra. Ella labora de lunes a viernes de las 7 am a las 12 m y por la tarde ella planea las clases del día siguiente.
Esta clienta se presentó a las oficinas de ceprodel con el fin de solicitar un financiamiento para la construcción de un servicio sanitario en su casa de habitación, a través del proyecto de agua y saneamiento que lleva ceprodel en conjunto con la alcaldía de este municipio para lo que es el mejoramiento de la salubridad de los pobladores así como las aguas subterráneas con la construcción de este es equipo sanitario que viene a mejorar el modo de vida.
Ella espera que dicho financiamiento sea aprobado y de esta manera optar al proyecto que vendrá a mejorar las condiciones de salud de su familia y darle un valor agregado a su casa de habitación ya que sus ingresos no son los suficiente como para sufragar estos gastos de un solo por su propia cuenta. Ella se muestra positiva y espera ser una beneficiaria más de este proyecto.

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.

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
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $23,717,575
    Funds lent in using Kiva
  • 25.1
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $900 helped Flor De Maria to build a bathroom.
83% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 12, 2013
Listed
Aug 6, 2013
Currency Exchange Loss:
Possible