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Roger Jose
Sr. Roger José Gutiérrez O. works as a driver for the National University of Engineering. He has three children, two of whom are of school age. Roger is single.

During the three years he has worked with CEPRODEL, Roger used his previous three loans to invest in home improvements. He is an excellent client. The loan he is now requesting will be used to buy construction materials for refurbishing his floor and to pay for labor. This will provide better living conditions for his children.

View original language description ↓
El Señor Roger José Gutiérrez O., Labora como conductor de la Universidad Nacional de Ingeniería, el tiene a su cargo tres hijos, dos de ellos se encuentran en edad escolar, es soltero, ha trabajado créditos con CEPRODEL durante tres años, en ese lapso ha invertido 3 créditos en la mejora de las condiciones de su vivienda otorgados por CEPRODEL, el es una excelente Cliente.

El crédito solicitado es para invertir en la compra de materiales para la remodelación del piso de su vivienda y el pago de la mano obra, para darles una mejor condición de vida a sus hijos.

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
  • 60
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 20.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Roger Jose pay for materials & labor needed to refurbish his floors.
100% repaid
Repayment Term
24 months (Additional Information)
Repayment Schedule
Nov 16, 2009
Dec 3, 2009
Currency Exchange Loss:
Jul 15, 2011