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Cruz Antonio
Sr. Cruz Antonio T. G. is an employee of the National Lottery Enterprise in Chinandega, with which CEPRODEL has a business contract. He has been working for this institution as a security guard for ten years.

He is married and lives with his wife and two children who are dependent on him. Cruz struggles and works for 24 hours straight and then rests for 24 hours. In his free time, he sells lottery scratch-off tickets.

The loan he is requesting will be used to make some improvements to his home and also cover personal expenses. He is very grateful for these loans which have been provided as a result of an agreement between CEPRODEL and his employer.

View original language description ↓
El Señor Cruz Antonio T. G., es trabajador de la Empresa Lotería Nacional de Chinandega de la cual tenemos un convenio con dicha empresa tiene de laborar para esa institución 10 años como vigilante.
Es casado son cuatro en su familia el, su esposa y dos hijos de los cuales los tres dependen de él es un hombre trabajador y luchador trabaja de 24 horas descansando las 24 horas seguidas pero él en tiempos libre vende raspaditas.
El financiamiento lo solicita para realizarle alguna mejora a su hogar o para cubrir gastos personales se siente muy agradecido con estos financiamientos que le han brindado gracias al convenio que adquirió su empresa donde trabaja con ceprodel

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
  • 31
    View loans »
    Nicaragua Loans Fundraising
  • $26,396,925
    Funds lent in using Kiva
  • 21.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Cruz Antonio make a few improvements to his home & pay some personal expenses.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Mar 16, 2010
May 1, 2010
Currency Exchange Loss:
Jul 17, 2011