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Alma Isabel
Alma is a native of the beautiful city of Estelí, located in the northern part of Nicaragua. She is single and has two children, one of which is school age.

She is licensed to teach. Presently, she works as a high school teacher, and has been doing this for thirty-three years. She says that she feels motivated in carrying out her work, and that she cares more and more for her students every day.

This is her fourth loan with Ceprodel. The previous loans have had a great impact, and she has already improved her home and paid university expenses for her son.

She is requesting a loan in order to buy construction materials: 20 horizontal roof beams, 30 sheets of tin roofing, 2 gallons of noncorrosive paint, and 300 screws. She is improving the roof of her home; it is currently in poor condition.

Alma is grateful for the support that Kiva has offered her. In this manner, she will be able to make the improvements to her home and offer a better quality of life to her family.
View original language description ↓
Alma es originaria de la bella ciudad de Estelí ubicada en el norte de Nicaragua, su estado civil es soltero y tiene dos hijos uno en edad escolar.

Profesión es Licenciada de la educación actualmente se desempeña como docente de secundaria desde hace más de 33 años, manifiesta sentirse motivada en ejercer su profesión ya que ha creado cariños a sus estudiantes que está formando día a día.

Este es su cuarto crédito con CEPRODEL el cual los anteriores han sido de gran impacto ya que ha mejorado su vivienda y pagado gasto universitario de su hijo.

solicita un crédito para la compra materiales de construcción: 20 perlines, 30 lámina de zinc, 2 galones de pintura anticorrosiva y 300 golosos ya que está realizando mejora en el techo de su vivienda que actualmente está en mal estado.

Alma agradece el apoyo brindado por kiva ya que de esta manera podrá realizar las mejoras de su vivienda y brindar una mejor condición de vida a su familia.

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

  • $4,800
    Average annual income
  • 102
    View loans »
    Nicaragua Loans Fundraising
  • $24,738,450
    Funds lent in using Kiva
  • 25.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Alma Isabel to buy construction materials: 20 horizontal roof beams, 30 sheets of tin roofing, 2 gallons of noncorrosive paint, and 300 screws.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jul 31, 2013
Aug 28, 2013
Currency Exchange Loss:
Nov 17, 2014