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Maria Del Carmen
Maria is 47 years old. She is a single mother of two children, of which only one of them is studying in the technical college with a concentration in Agronomy. She is a very cheerful, honest and enterprising woman, a woman of faith with dreams and short-term goals to achieve. Maria has worked for a state institution since she was 25 years old, where she serves as the head of the Civil Registry. She has received various loans which she has invested in her house, since one of her dreams is to complete home improvements and in this way provide a better quality of life to her son.
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La señora Maria tiene la edad de 47 años, es madre soltera de 2 hijos y de los cuales solo uno de ellos esta estudiando en un colegio tecnico la carrera de Agronomia. Ella es una persona alegre, honesta, emprendedora, una mujer de fe y con sueños y metas a corto plazo por cumplir. Maria labora para una institucion del estado desde hace 25 años y en donde se desempeña como Responsable de Registro Civil.Ella a recibido varios prestamos en donde los ha invertido en su casa de habitacion, ya que uno de sus sueños poder terminar de realizarle las mejoras y de esta forma dar una mejor calidad de vida a su hijo.

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
  • 145
    View loans »
    Nicaragua Loans Fundraising
  • $24,094,725
    Funds lent in using Kiva
  • 25.9
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $475 helped Maria Del Carmen to buy cement and ceramics.
79% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 6, 2014
Jun 22, 2014
Currency Exchange Loss: