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Reyna Isabel
Ms. Reyna Isabel A. S. is a secondary school teacher for the "Farabundo Martin" high school in Villa el Carmen. She has been working for the school for 23 years. She is married and has two school-age children.

She has taken out seven previous loans through CEPRODEL, each of which she has used to purchase construction materials like sand, cement, stone, gravel, etc. She used the materials to expand and improve her house. She is requesting this loan to replace the roof of her home.

The CEPRODEL loans that Reyna has received have been of great benefit to her. With them, she has been able to improve her and her family's living conditions.
View original language description ↓
La Sra. Reyna Isabel A. S. ella es trabajadora activa del colegio público “Farabundo Martin” de Villa el Carmen desempeñándose como Maestra de Educación Secundaria tiene Veinte y tres años de trabajar para esta institución, es casado actualmente tiene dos hijos en edad escolar. Ha tenido siete 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 y este lo solicita para realizarle cambio de techo a su hogar, 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
  • 59
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 22.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Reyna Isabel to buy construction materials like corrugated metal roofing, tiles, etc. (to replace the roof of her house).
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jan 31, 2011
Feb 6, 2011
Currency Exchange Loss:
Jul 30, 2012