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María Mercedes
Maria Mercedes V. V. is an active and hardworking person employed by the public school named "Cerma". She is employed as a primary school teacher and she has twenty three years in the field. She is married. She has had twelve previous loans with Ceprodel (Kiva Field Partner) and each on has been used to purchase construction materials, including sand, cement, rocks, gravel, etc. She has been expanding and improving her home. The loans granted through Ceprodel have helped her very much and she has been able to improve her quality of life and that of her family.
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La Sra. María Mercedes V. V. ella es trabajadora activa del Colegio Público ”CERMA” desempeñándose como Maestra de Educación Primaria tiene Veinte y tres años de trabajar como docente, es casada actualmente. Ha tenido doce créditos con CEPRODEL y cada uno lo ha realizado para la compra de materiales de construcción como, Arena, Cemento, piedra, piedrín etc. 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 Nicaragua

  • $4,800
    Average annual income
  • 38
    View loans »
    Nicaragua Loans Fundraising
  • $26,366,175
    Funds lent in using Kiva
  • 22.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped María Mercedes to purchase construction materials.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jan 25, 2011
Feb 3, 2011
Currency Exchange Loss:
Apr 21, 2012