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Cruz Delia
Sra. Cruz is 39 years old and conducts classes as a primary school teacher. She is employed at a small municipal school and has been in this profession for 14 years. Cruz is in a stable relationship and has two children, so she must provide the necessary conditions for their development. Among her priorities are to build a septic tank, a bathroom, and to repair the roof of her home in order to guarantee her family’s safety. For this reason, she decided to visit CEPRODEL about requesting a loan so that she could make these improvements to her home, which would provide better conditions and a higher standard of living.

The loan will be used to purchase construction materials such as blocks, cement, sand, crossbeams, a toilet, PVC pipes, ceramic tiles, and bonding agent, as well as to pay for labor. This will be her 15th loan and she is very pleased because it will help improve her life and enable her to fulfill her dreams.
View original language description ↓
La señora Cruz tiene 39 años de edad y se dedica a impartir clases como maestra de primaria, en un pequeño colegio del municipio, dedicándose a esa labor desde hace 14 años, tiene una relacion estable donde han procreado 2 hijos al que tienen que proporcionarles las condiciones necesarias para su desarrollo, Una de las necesidades que la señora Cruz atraviesa, es de construir un sumidero, baño y mejoramiento de techo de su vivienda para garantizar la seguridad familiar, por lo que se decidió acudir a Ceprodel para solicitar un crédito para lograr el objetivo de efectuar las mejoras antes mencionadas de su vivienda. Ya que esto le ayudara a darle mejores condiciones y nivel de vida. y lo utilizara para la compra de materiales de construccion tales como bloques, cemento, arena, perlines, inodoro, tubos pvc, ceràmica , bondex y pago de mano de obra. Este es el financiamiento Nº 15 con los que ella se encuentra muy satisfecha por que le han ayudado a mejorar su vida y lograr sus sueños.

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
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 26.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Cruz Delia to buy construction materials for various home improvements and to pay for labor.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Feb 18, 2014
Mar 21, 2014
Currency Exchange Loss:
Oct 30, 2015