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José Ernesto
José Ernesto lives in Managua and works in a state enterprise. He is married with one son who is of school age.

José is requesting a loan from Kiva to buy construction materials such as cement blocks, sand, and iron to build an annex to his house, which will allow his family to live more comfortably. He is thankful to Kiva for the support they have given him to carry out his home improvement project.
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José Ernesto vive en Managua trabaja en una empresa del estado casado tiene un hijo en edad escolar.
José solicitad un crédito a kiva para para la compra de materiales de construcción como bloques cemento, arena, hierro para la construcción de un anexo en su casa ya que esto le va a servir para darle una comodidad a su familia. agradeciendo a kiva por el apoyo que le están dado para poder realizar este proyecto de mejoramiento de su vivienda

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
  • 89
    View loans »
    Nicaragua Loans Fundraising
  • $25,032,475
    Funds lent in using Kiva
  • 25.6
    Nicaragua Cordobas (NIO) = $1 USD