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José Antonio
José works as a plumber in the Chinandega city hall. He is married and lives in the Luis Anduray neighborhood. He is asking for this loan in order to make improvements to his home, as he has been doing little by little. The roof has not been completed and he would like to finish it before winter. He has three young children.
View original language description ↓
El señor José Antonio A. M., es trabajador de la Alcaldía de Chinandega, se desempeña como fontanero, es casado y habita en el barrio Luis Anduray.

El señor José Antonio A., solicito el crédito para mejorar su casa ya que con los crédito anteriores la ha ido remodelando poco a poco, pero el techo no lo tienen completo y desea cambiarlo antes que llegue el invierno, tiene tres hijos de los cuales dos son menores de edad.

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
  • 45
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 21.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped José Antonio building materials.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 19, 2010
May 1, 2010
Currency Exchange Loss:
Mar 15, 2011