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Ana Cristina
Ms. F. is a teacher at the “Santa María de la Merced” located in Viejo. She will use the money from this loan to install a floor in her home, which is newly built but missing a few details.

She is the single mother of two small children. The others are fully grown. Thanks to her work she has been able to get ahead and provide them with an education. She also sells nacatamales out of her home on the weekend for extra income.

This is the third loan she has gotten through the institution and she has always been timely with her payments. She is very grateful for the assistance and support.
View original language description ↓
La Sra. F. E. es una profesora que trabaja en la Esc. Santa María de la Merced que está ubicada en el municipio del Viejo, departamento de Chinandega.

Ella va a utilizar el crédito para poner el piso de su casa ya que esta recién hecha y le faltan algunos detalles.

Ella es madre soltera de 2 niños pequeños ya que los demás ya son mayores de edad y gracias a su trabajo a podido salir adelante con ellos y educarlos, además vende nacatamales los fines de semana en su casa para tener mayores ingresos.

Este es tercer crédito que tiene con la Institución los cuales siempre los han pagado muy bien en tiempo y forma y dice estar muy agradecida por ayudarla y brindarle apoyo cuando ella necesita.

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
  • 61
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 21.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Ana Cristina home Improvement.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 20, 2010
May 1, 2010
Currency Exchange Loss:
Oct 20, 2011