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Martha Licet
Martha is a woman who is devoted to teaching others. She is an elementary school teacher by profession, and she has been working for ten years. She is married and has one son. She gives him all of the support he needs to develop.

This woman urgently needs to build a kitchen. In order to do so, she visited CEPRODEL to request a loan. She will use the loan to buy construction materials like cement, sand, gravel, iron, cement blocks, and to pay for the labor. This will allow her to do the job of her dreams in order to have improved living conditions.
View original language description ↓
Martha es una señora dedicada a la enseñanza de los demás, de profesión maestra de educación primaria con 10 años de laborar, es casada con 1 hijo al que le da todo el apoyo para su desarrollo.
Esta señora tiene la urgencia de construir una cocina por eso visito a ceprodel para solicitar financiamiento el que utilizaría en la Compra de materiales de construcción como: cemento, arena, piedrín, hierro, Bloques y mano de obra, el que le permitirá realizar la obra de sus sueños para obtener mejoría en las condiciones de vida

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,049,000
    Funds lent in using Kiva
  • 25.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Martha Licet to buy construction materials like cement, sand, gravel, iron, cement blocks, and to pay for the labor.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 16, 2013
Dec 12, 2013
Currency Exchange Loss:
Dec 25, 2014