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María Del Carmen
Maria is a teacher at the Fran Cortez School. She lives in the Roberto González neighborhood with her husband and two children.

Maria requested this loan in order to make repairs to her house, now that winter is approaching and the sheet metal is in bad shape. She also wants to add a half bath, because the one there now is just a latrine covered with plastic. It will also help with some of her personal expenses.
View original language description ↓
La señora María del Carmen G. V., es maestra de la escuela Fran Cortez, habita en el barrio Roberto González, vive junto con sus dos hijos y su esposo.

La señora María G. V., solicito el crédito para realizar reparaciones en su casa ya que se acerca el invierno y tiene bastante malo el zinc y hacer un medio baño ya que el que tenia era letrina y era forrado con plástico, además ocupara para cubrir otros gastos personales.

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
  • 69
    View loans »
    Nicaragua Loans Fundraising
  • $25,754,375
    Funds lent in using Kiva
  • 20.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped María Del Carmen building materials.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 24, 2010
Apr 1, 2010
Currency Exchange Loss:
Aug 30, 2011