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Elba Francisca
Elba Francisca is a young woman who has worked as a sales executive in one of the commercial stores in the City of León for 8 years. She starts her work at 8:30 a.m. and finishes at 6:30 p.m. on the same schedule from Monday through Sunday. She does this work to support her household.

Elba asked for this loan from Ceprodel to buy blocks, iron, cement, and gravel to remodel her humble house, which will allow her to improve the standard of living for herself and her family.
View original language description ↓
La joven Elba Francisca, labora como ejecutiva de ventas en unas de las tiendas comerciales de la Ciudad de León desde hace 8 años, inicia sus labores desde las 08:30 am finalizando a las 06:30 pm como este mismo horario de lunes a domingo, ella realiza esta labor para llevar el sustento a su hogar.

La joven Elba, solicito este crédito a Ceprodel para la compra de bloques, hierro, cemento y piedrín para la remodelación de su humilde vivienda, lo cual le permitirá mejorar su nivel de vida junto a 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
  • 95
    View loans »
    Nicaragua Loans Fundraising
  • $24,742,900
    Funds lent in using Kiva
  • 26.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Elba Francisca to buy blocks, iron, cement, and gravel.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jun 11, 2014
Jun 29, 2014
Currency Exchange Loss:
Jul 8, 2015