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Julio César
Julio Cesar M. T. lives in the city of Granada, in the department of Granada. He has been working there for three years and eight months as an AS equipment operator at the company ENACAL. He is married and his nuclear family is made up of two people (his wife and a child).

This man is requesting a loan from field partner CEPRODEL to make improvements to his home since his dream is to slowly improve his home to create the necessary conditions so that his son can grow and develop and thus provide for him an adequate standard of living.
View original language description ↓
El señor Julio César M. T. habita en la ciudad de Granada, en el Departamento de Granada, ahí también labora como Operador de Equipo AS desde hace tres años y ocho meses en la empresa ENACAL, es casado y su núcleo familiar es de dos personas (esposa y un menor).

Este señor se acerca a CEPRODEL con el fin de solicitar un crédito para mejoramiento de vivienda ya que sus sueños es ir mejorando poco a poco el lugar donde vive para crear las condiciones necesarias para que su hijo vaya creciendo y se desarrolle, y de esta forma darle un nivel de vida adecuado.

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
  • 75
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 22.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Julio César home improvements.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jan 24, 2011
Feb 1, 2011
Currency Exchange Loss:
Nov 8, 2012