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María De Jesús
In the town of San Rafael del Sur, María de Jesús E. is the mother of two young children for whom she is responsible. She has decided to provide them with a decent home to live in so that they can develop and be satisfied with their mother. For these motives, she began to improve her home which is in need of her help. She has requested a loan to buy construction materials including blocks, cement, and iron with the goal of continuing her work and realizing her dream of having a safe place where her happy children live.
View original language description ↓
En el municipio de San Rafael del Sur, la señora María de Jesús E. es madre de dos pequeños hijos los que están a su responsabilidad y ha decidido proporcionarles un techo digno donde habitar para que puedan desarrollarse y estar satisfechos con su madre.

Por tales motivos ha iniciado el mejoramiento de su vivienda que tanto necesita de su colaboración y ha solicitado un crédito para la compra de materiales de construcción como lo son bloque, cemento y hierro con la finalidad de continuar con su obra y ver realizado su sueño de tener un lugar seguro donde habiten sus hijos felices.

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
  • 58
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 20.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped María De Jesús to buy construction materials.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Nov 23, 2009
Dec 14, 2009
Currency Exchange Loss:
May 15, 2011