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Marcio Ramon
Sr. Marcio Ramon has lived in the city of Ocotal in Nueva Segovia in the north of Nicaragua for more than 21 years. He is happily married and has three school-aged children for whom he pays school fees. His spouse is a housewife.

Sr. Marcio is employed and works for a state institution. He has worked for this institution continuously for some 21 years and this job is his principal source of income to support his family. It is worth mentioning that he serves as the responsible technician in his department.

This client came to Ceprodel for the first time to apply for funding in order to make some home improvements. He needs to purchase cement in order to perfect some of the walls of his house as well as to pay for construction workers.

Sr. Marcio appears positive that he will be approved for funding because he does not have sufficient earnings to be able to assume the cost of construction on his own. As well he is the only one who works in his family and he wants to give his wife and children a roof over their heads that is worthy of them.
View original language description ↓
Eñ señor Marcio Ramon es recide en la ciudad de Ocotal en Nueva Segovia en el norte de Nicaragua desde hace mas de 21 años, es esta felizmente casado, tiene tres hijos en edad escolar a quienes costea los gastos escolares, su esposa se dedica al cuido de la casa.
El señor Marcio es un empleado y labora para una intitucion del estado, el tiene aproximadamente unos 21 años de laborar para dicha institucion de manera continua, es esta su principalfuente de ingreso para el sustento de su familia, cabe mencionar que el se desempeña como el responsable tecnico del departamento.
Este cliete se presento por primera vez a las instalaciones de Ceprodel con el objetivo de solicitar un financiamiento para realizarle unas mejoras a su casa de habitacion, el necesita comprar cemento para poder afinar algunas de las paredes de su casa asi como el pago de la mano de obra del albañil.
El señor Marcio se muestra positivo en que le sera aprobado el financiamiento ya que el no cuenta con el ingreso suficiente para poder asumir por cuenta propia el gasto de construccion, ademas es el unico que trabaja en su familia y quiere darles un techo digno a su esposa y sus hijos.

Additional Information

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
  • 75
    View loans »
    Nicaragua Loans Fundraising
  • $23,451,300
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD