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Dora Luz
Dora works as a Primary School teacher in a school in the area she lives in. She has been teaching for 21 years. She lives in a common-law relationship. She has no dependent children, they are all now adults.

Dora needs to make improvements to her house, so she visited the Ceprodel Offices to request a loan to fulfill this dream. She will use the loan to buy cement, cider blocks and re-bar to construct a room and improve the family's living conditions.
View original language description ↓
Dora se desempeña como maestra de educación primaria de un colegio de la zona donde vive con 21 año de impartir el pan de la enseñanza, vive en unión libre, no tiene hijos a su cargo ya son adultos, esta señora tiene la necesidad de mejorar su vivienda, por tal razón visito las oficinas de ceprodel para solicitar financiamiento y lograr cumplir el sueño deseado, ya que el mismo lo utilizaría en la compra de Cemento, Bloques y Hierro, para la construcción de un cuarto y de esa manera mejorar las condiciones de 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
  • 75
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Dora Luz to buy cement, cider blocks and re-bar.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Oct 17, 2013
Nov 18, 2013
Currency Exchange Loss:
Oct 26, 2014