Update on Ramón AlejandroRamón Alejandro is a young, 33-year old man. He is single and father of a school-aged girl. He hails from the municipality of El Sauce, a small but well developed town, situated in western Nicaragua. He was born here and grew up among a humble, but very hardworking family.
Alejandro works as a security guard in a neighborhood school where he has been working for more than five years. He is very grateful to Kiva and Ceprodel because thanks to the financing they have given him, he has bought his personal things that he wouldn't have been able to buy due to his low salary.
Like all young dreamers, his goal is to build his own house, and for that he has to start by buying the plot of land. He is applying to these investors to keep supporting him in this dream so that he can buy this plot of land. He hopes and trusts in God that these good-hearted people will support the dream of a person of limited resources.
Es originario del municipio de El Sauce, un poblado pequeño pero bien desarrollado ubicado al occidente de Nicaragua.
Aquí nació y creció entre familia muy humilde pero bien trabajadora.
Alejandro se desempeña como Guarda de seguridad en un colegio de la localidad donde tiene más de cinco años de laborar.
Se siente muy agradecido con Kiva y Ceprodel porque gracias a los financiamientos que le han otorgado ha adquirido sus cosas personales que no las hubiera podido comprar al contado por su bajo salario.
Como todo joven soñador él tiene como meta construir su propia casa y para ello quiere empezar comprando el solar por lo que está solicitando a estos inversionistas para que le sigan apoyando con este sueño y así poder comprar este solar.
Espera y confía en Dios que estas personas de buen corazón apoyen el sueño de una persona de escasos recursos.
Previous Loan DetailsAlejandro is a 31 year old young man. He is from the town of El Sauce, where the famous milk and honey abound. He is single with a young school aged daughter. He has earned a living since he was very young. Right now, he works as a security guard. Despite it being a very risky job, he does it with… More from Ramón Alejandro's previous loan »
About CEPRODELThis 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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.
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