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María Elisa
Mrs. Maria Martinez is an active employee of the school Gutierrez Norte and she has been working as a primary school teacher for the past six years. She is married and she has two school-aged children. She has had three past loans with Ceprodel (Kiva Field Partner) and each one has been used to purchase construction materials such as sand, cement, rocks, gravel, zinc, with the goal of expanding and improving her house. The loans granted through Ceprodel have been a great help because she has been able to improve her quality of life and that of her family.
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La Sra. María M. es trabajadora activa del colegio los Gutiérrez norte es maestra de primaria tiene seis años de labora para esta institución está acompañada con su pareja, tiene dos hijos en edad escolar. Ha tenido tres créditos con CEPRODEL y cada uno los ha realizado para la compra de materiales de construcción como Arena, Cemento, Piedra, Piedrín, zinc. 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 ha mejorado su condición de vida de 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
  • 54
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 22.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped María Elisa to purchase sand, rocks, gravel, and zinc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 16, 2011
Apr 1, 2011
Currency Exchange Loss:
Nov 1, 2011