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Julio César
In the city of Grandada, in the department of Granada, señor Julio César M. B. has worked very hard as a plumber for three years. He works at the company, ENACAL-Granada. He is single, and his only dependent is his mother.

His dream is to have a comfortable home where his mother feels at ease and as safe as possible. This is why he decided to visit CEPRODEL's offices to request a loan and to make improvements to his home that include replacing the roof. In this way, he will contribute to the well-being and satisfaction of his mother.
View original language description ↓
En el Municipio de Granada, Departamento de Granada, muy arduamente el señor Julio César M. B. se dedica a la labor de Fontanero desde hace tres años en la empresa ENACAL-Granada, quien es soltero, con un único dependiente quien es su mamá.

Los anhelos que este señor tiene es el de tener una casa cómoda en donde se sienta bien su mamá y con toda la seguridad posible, es por esta razón que ahora él se decidió a visitar las oficinas de CEPRODEL para solicitar un crédito y realizar un mejoramiento de vivienda que consiste en hacer cambio de techo y de esta forma poder contribuir al bienestar y satisfacción de su mamá.

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 Nicaragua

  • $4,800
    Average annual income
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,415,325
    Funds lent in using Kiva
  • 22.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Julio César home improvements.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jan 24, 2011
Jan 28, 2011
Currency Exchange Loss:
Jan 27, 2012