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Julia Emma
Young Julia Emma lives in the town of Jicaral in the Leon district, a town where the people are dedicated to providing their services as employees.

Julia Emma is 48 years old, married, and has two son under her care. Her husband is a farmer and grows corn, wheat and beans. The little income from that takes care of the daily needs of the home. And with her income as wages, she helps to improve their housing conditions.

For twenty years, she has worked as a janitor at the health center. But her dreams are to have better conditions for her family. She took the opportunity to find out about Ceprodel and Kiva through one of the promotions that were offered.

For this reason she is requesting a loan for the purchase of galvanized sheet metal, sand, cement and brick. She has a great need for Ceprodel and Kiva to finance her first loan to improve her housing conditions.

She is happy with her work because she has helped a lot in the making of a better life with her family.
View original language description ↓
La Joven Julia Emma habita en el municipio de Jicaral departamento de león, un municipio donde los habitantes se dedican a brindar sus servicios como asalariados.

La señora Julia Emma tiene 48 años de edad casado, cuenta con dos hijito bajo su cargo, su esposo se dedica a la agricultura, produce Maíz, trigo y frijoles, con lo poco que el produce ayuda al sustento diario de su hogar, y ella como es de sus ingresos el salario ayuda a mejorar las condiciones de su vivienda.

Desde hace veinte años ejerce el trabajo como conserje en el centro de salud, pero son de sus sueños tener mejores condiciones en su familia, se dio la oportunidad de conocer a Kiva y Ceprodel a través de una de las promociones que se ofertaron.

Por tal razón se vio en la necesidad de solicitar un crédito para la compra de: Zinc, Arena, Cemento y Ladrillo. Es de su gran necesidad que Ceprodel y Kiva le financie por primera vez este crédito, apara mejorar las condiciones de su vivienda.

Se siente a gusto con este tipo de empleo porque le ha ayudado mucho en el desarrollo de una mejor vida con 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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,420,300
    Funds lent in using Kiva
  • 25.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Julia Emma to purchase galvanized sheet metal, sand, cement and brick.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
May 20, 2014
Jun 13, 2014
Currency Exchange Loss:
Jan 30, 2015