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Néstor José
Néstor Jośe works as a driver in one of the institutions in the city of León. He has worked in this field for eighteen years to sustain his family. He begins his work at 8:00 am and ends it at 5:00 pm with the same schedule from Monday to Friday.

Néstor approached Ceprodel to ask for a loan which was used to purchase concrete blocks, cement, iron, and gravel, among other materials, which will permit him to continue the construction of his humble house and in this way offer his family a better quality of life.
View original language description ↓
El señor Néstor José, labora como conductor en unas de las instituciones de la ciudad de León, se dedica a este labor desde hace dieciocho años para el sustento de su familia, inicia sus labores a las 8:00 am y finaliza a las 5:00 pm con este mismo horario de lunes a viernes.

Don Néstor se acerco a Ceprodel para solicitar un crédito el cual fue utilizado para compra de bloques, cemento, hierro, piedrín, entre otros materiales, los cuales le permitirán seguir la construcción de su humilde vivienda y de esa manera brindarle una mejor calidad de vida a 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
  • 69
    View loans »
    Nicaragua Loans Fundraising
  • $25,049,000
    Funds lent in using Kiva
  • 25.8
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $775 helped Néstor José to purchase concrete blocks, cement, iron, gravel, etc….
Repayment Term
17 months (Additional Information)
Repayment Schedule
May 5, 2014
Jun 7, 2014
Currency Exchange Loss:
Jul 7, 2014