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Julia Marisela
Julia is 23. She is in a relationship and has a 2 year old child. She is an active, enterprising person who is committed to her work and full of dreams, which she thinks of achieving little by little. She has been working for the ministry of health for one and a half years. She serves as a nurse's assistant, a job she does with much commitment and responsibility. The loan will help her a lot, since it will allow her to improve her life, rebuild the walls of her house, and change the roof.
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La señora Julia tiene la edad de 23 años, esta acompañada y tiene un niño de 2 años. Ella es una persona activa, emprendedora, entregada a su trabajo y llena de sueños los cuales piensa lograr poco a poco. Labora para el ministerio de salud desde hace 1 1/2 año, se desempeña como auxiliar de enfermeria labor que la realiza con mucha entrega y responsabilidad. El credito le ayudara de gran manera, ya que sera para reparacion de la vivienda, repellara las paredes de la sala y cambiaran el techo.

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

  • $3,636
    Average annual income
  • 137
    View loans »
    Nicaragua Loans Fundraising
  • $24,079,275
    Funds lent in using Kiva
  • 26.0
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $400 helped Julia Marisela to buy bricks, purlins, iron and cement.
70% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 6, 2014
Jun 23, 2014
Currency Exchange Loss: