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Rosa Emilia
Sra. Rosa Emlia P. R. is an active employee at the Santa Rita Public School in Villa del Carmen. She is the school librarian but also has seventeen years of experience as a teacher. Rosa is currently married.

She has had four loans with CEPRODEL and each one has been used to buy construction materials so that she could expand and improve her house. Rosa has benefited greatly from the loans because they have helped improve the living conditions for herself and her family.

View original language description ↓
La Sra. Rosa Emilia P. R. ella es trabajadora activa del colegio público “Santa Rita” Villa el Carmen desempeñándose como bibliotecaria del colegio tiene diecisiete años de trabajar como docente, es casada actualmente. Ha tenido cuatro créditos con CEPRODEL y cada uno lo ha realizado para la compra de materiales de construcción para ampliar y mejorar su casa de habitación, los cuales los créditos con ceprodel le ha beneficiado en gran manera ya que de esta manera ella ha mejorado su condición de vida de ella y su familia.

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
  • $26,251,375
    Funds lent in using Kiva
  • 21.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Rosa Emilia purchase construction materials for home improvements & expansion.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Oct 26, 2010
Nov 3, 2010
Currency Exchange Loss:
Feb 9, 2012