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Julia Elida
Julia P. works arduously in the department of León to achieve her dream of improving the conditions of her house. It has been in bad condition for several years, and it now needs to be fixed.

She has asked for a loan to buy construction materials. That way she can accomplish this job that urgently needs to be done for the benefit of the whole family.

She is a single mother with a school-age child. She needs to support him and give him the conditions necessary in life for him to develop, and she needs to give him a decent place to live.
View original language description ↓
En el departamento de León, la señora Julia P. se dedica a laborar arduamente para llevar a cabo su sueño de mejorar las condiciones de su vivienda que por varios años ha estado en malas condiciones pero que hoy requiere ser mejorada. Ella ha solicitado un crédito con el fin de utilizarlo en la compra de materiales de construcción para así llevar a cabo esta obra que le urge realizar para beneficio de toda su familia.
Ella es madre soltera y con un hijo en edad escolar al que debe mantener y brindarle las condiciones de vida necesarias para su desarrollo y un techo digno donde habitar.

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
  • 62
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 20.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Julia Elida buy construction materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 22, 2009
Jan 21, 2010
Currency Exchange Loss:
Feb 15, 2011