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Maria Clementina
Sra. María Clementina S. Pérez has worked as a primary school teacher for 32 years. She takes care of three children of school age and is currently married. She has had six loans with CEPRODEL and each one has made it possible to make improvements in her home. By means of these loans she will finish building her house. They are her only means of obtaining a decent dwelling. The loan she is applying for will be used to finish constructing a room for one of her children.
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Perfil del Cliente La Sra. María Clementina S. Pérez su profesión es de Maestra de educación primaria tiene treinta y dos años de laborar como maestra, tiene bajo su cargo cinco hijos de edades escolares, es casada actualmente. Ha tenido seis créditos con CEPRODEL y cada uno lo ha hecho para realizar mejoras en su casa de habitación y de esta manera ha llegado a terminar de construir su casa porque esta es la única forma de llegar a tener una vivienda con un techo digno.
El crédito lo esta solicitando para terminar de construir un cuarto para uno de 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
  • 40
    View loans »
    Nicaragua Loans Fundraising
  • $26,366,175
    Funds lent in using Kiva
  • 21.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Maria Clementina purchase of sand, cement, piedrin (a type of stone used for building) and payment for laborers.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Mar 16, 2010
May 1, 2010
Currency Exchange Loss:
Aug 15, 2011