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José Manuel
A. G. has been working as a well operator for the company ENACAL, in the town of Masaya, in Masaya department, for 14 years. He is married and has two dependent children.

This gentleman approached CEPRODEL to request a loan so that he can make some improvements to his home as he would like to provide his family with a better standard of living.
View original language description ↓
El señor José A. tiene 14 años de laborar en una empresa ubicada en el Municipio de Masaya, del departamento de Masaya. Es importante destacar que él es el encargado de llevar el sustento a su hogar y beneficiar a sus dos pequeños hijos.

En estos momentos el señor se acerca a CEPRODEL ya que quiere solicitar un crédito para realizar el mejoramiento de su vivienda por la razón de que le es de mucha necesidad y además quiere brindar un mejor nivel de vida a 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
  • 63
    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 $650 helped José Manuel to improve his home.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jan 31, 2011
Mar 3, 2011
Currency Exchange Loss:
Nov 20, 2012