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Estela G., who lives in the town of San Rafael del Sur, has two children and a home to support. She makes quite an effort to work toward improving her family's living conditions who need her help to get ahead and to develop as people. Estela needs to buy materials to build a front wall on her property so that her house will be more secure. Currently, she covers the front part of her property with tree trunks and barbed wire. It is urgent to build a concrete wall and she needs materials like concrete blocks, sand, cement, beams, etc. She hopes that the loan will be approved so that she can bring about this work which will be of much benefit for her and her family.
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Con dos hijos que mantener y con las necesidades del hogar, muy esforzadamente la señora Estela G. trabaja para mejorar las condiciones de vida de su familia que requiere con mucho esfuerzo su apoyo para salir adelante en su desarrollo como personas en el municipio de San Rafael del Sur.

La señora Estela G. tiene la necesidad de invertir en la compra de materiales de construcción para construir el muro frontal de su vivienda para dar mayor seguridad a su familia ya que actualmente ella cubre la parte frontal de su vivienda con trozos de árboles y con alambre de púa por lo que necesita muy urgentemente levantar un muro de concreto y para ello requiere materiales de construcción como son bloques, arena, cemento, vigas, entre otros. Espera en que su crédito le será otorgado para llevar a cabo esta obra de mucho beneficio para ella y 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
  • 51
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 20.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Estela to buy building materials.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Nov 24, 2009
Dec 14, 2009
Currency Exchange Loss:
Feb 15, 2011