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Betiz Araceli
Señora Betiz Araceli B. V. is a hardworking employee of the San Rafael del Sur Municipal Authority, where she works as a secretary. She has been working for this institution for 6 years. She has had seven loans with [the field partner] CEPRODEL and each one has enabled her to buy construction materials and improve her house. These loans with CEPRODEL have helped her improve her standard of living, putting a decent roof over her family's heads.
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La Sra. Betiz Araceli B. V. ella es Trabajadora activa de la Alcaldía Municipal de San Rafael del Sur desempeñándose como Secretaria tiene seis año de trabajar en esta institución. Ha tenido siete créditos con CEPRODEL y cada uno lo ha realizado para la compra de materiales de construcción y mejorar su casa de habitación, estos créditos con Ceprodel le han ayudado a mejorar el nivel de vida teniendo techo digno para la unidad familiar.

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
  • 74
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 21.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Betiz Araceli to buy construction materials: sand, cement, quarried stone, measuring tools, etc.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 6, 2010
Oct 25, 2010
Currency Exchange Loss:
Aug 20, 2011