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Irene De La Concepcion
Irene de la Concepcion has been a primary school teacher at a rural public school for 10 years. She teaches students between the ages of 10 and 15. Irene travels from very early in the morning at 6:00 am and finishes her work with them at her workplace at 1:00 pm from Monday through Friday.

Irene is asking for this loan for the purchase of construction materials to improve her house so she and her family can be more comfortable.
View original language description ↓
La Sra Irene de la Concepcion es profesora de educacion primaria en una escuela publica rural desde hace 10 años impartiendo sus enseñanzas a niños de entre 10 a 15 años, la Sra Irene viaja desde muy temprano 6:00 am terminando sus labores a las a su centro de trabajo 1:00 pm de lunes a viernes.
La Sra. Irene Esta solicitando este credito para la compra materiales de contruccion para mejorar su casa de habitacion y darle una mejor comodidad a ella y 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
  • 70
    View loans »
    Nicaragua Loans Fundraising
  • $25,049,000
    Funds lent in using Kiva
  • 25.8
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $800 helped Irene De La Concepcion to buy sand, cement, iron, zinc, beams, and cinder blocks.
Repayment Term
18 months (Additional Information)
Repayment Schedule
May 28, 2014
Jun 5, 2014
Currency Exchange Loss:
Jul 5, 2014