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Francisco José
Francisco Jose E. has worked in the municipal water department for about two and a half years. He is 49 years old and takes care of his 4 children, two of whom are still in school. Francisco has lived in the city of Managua for 3 years. He is requesting a loan to make necessary repairs on his home. This is his first loan with Ceprodel and he appreciates the opportunity to improve the quality of life for his family.
View original language description ↓
Don Francisco José E., es trabajador de una Empresa de Acueductos y Alcantarillado desde hace dos años y cuatro meses desempeñando el cargo de Ayudante Fontanero.

Es Acompañado, de 49 años de edad, tiene cuatro personas que dependen de él, dos de ellas son menores en edad escolar. El vive en la ciudad de Managua en Anexo Villa Fraternidad desde hace tres años.

El solicita el préstamo para hacerle Reparaciones Mejoras en la vivienda. Este es el primer crédito con CEPRODEL y se encuentra agradecido por haberle otorgado este préstamo, ya que este le ayudará Mejorar las condiciones de vida para 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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,754,375
    Funds lent in using Kiva
  • 22.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Francisco José to make necessary repairs on his home.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jan 24, 2011
Feb 1, 2011
Currency Exchange Loss:
May 8, 2012