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María  Victoria
Maria is single and an elementary school teacher with three years of experience. She is requesting this loan from the field partner to build a kitchen in her home. She will use it to buy construction materials such as zinc, cement, wood, gravel, sand and iron bars and to pay for labor.

Maria is grateful to the field partner and the other lending institutions that have helped her very much to make improvements to her home. She says that this is her third loan, and that it is the only way she can continue making home improvements, because teachers’ salaries are very low.
View original language description ↓
María, es una joven, soltera, y se desempeña como maestra de educación primaria con 3 años de experiencia ejerciendo esta arda labor.
Actualmente esta joven se presento a la oficina de ceprodel para solicitar un financiamiento para la construcción de una cocina, y lo utilizará en la compra de materiales de construcción tales como zinc, cemento, madera, piedrín, arena, hierro y el pago de la mano de obra.
Agradece a ceprodel y a las demás instituciones que la han apoyado ya que con este crédito seria el numero 3 y le han servido de mucho y ha podido ir mejorando su vivienda, que es la única manera que lo ha podido ir haciendo ya que los salarios de los maestros son muy bajos.

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

  • $3,636
    Average annual income
  • 119
    View loans »
    Nicaragua Loans Fundraising
  • $24,043,075
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped María Victoria to buy construction materials such as zinc, cement, wood, gravel, sand and iron bars and to pay for labor to build a kitchen in her home.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Oct 28, 2013
Nov 21, 2013
Currency Exchange Loss:
Dec 25, 2014