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Marcos Antonio
Marcos Antonio Flore Téllez is an office worker in Managua and has been doing this work for seven years. He is married, has three children, and wants to provide them with the best conditions for their development. He needs to make improvements to his home because it is currently in bad shape. For this reason he has approached CEPRODEL to request a loan to buy building materials such as stone, sand, cement, and iron bars. He wants to make improvements to the bathroom in his home. This will improve the living conditions for his children and he will be able to provide a dignified room under his family’s heads.
View original language description ↓
En la ciudad de Managua, El Sr. Marcos Antonio Flore Téllez, se dedica arduamente a laborar como oficinista dedicándose a esta labor desde hace siete años, es casado y con tres hijos a los que tiene que proporcionarles las condiciones necesarias para que se desarrollen. Una de las necesidades que el Sr. Marcos atraviesa hoy en día es que debe mejorar las condiciones de su vivienda debido a que ha estado en malas condiciones por lo que a tomado la sabia decisión de iniciar la obra de mejora. Es por ese motivo que acude nuevamente a ceprodel para solicitar un crédito para la compra de materiales de construcción como: piedra, arena, cemento y hierro, Para realizar la mejora de la vivienda por lo que piensa construir un baño en su casa de habitación. Por medio de esta obra brindara mejores condiciones de vida a sus hijos. Es importante destacar que por medio de la realización de esta obra, le proporcionara a su familia un techo digno donde vivir y con todas las condiciones necesarias para el desarrollo de sus hijos.

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
  • 37
    View loans »
    Nicaragua Loans Fundraising
  • $26,398,725
    Funds lent in using Kiva
  • 22.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Marcos Antonio to repair the bathroom in his home.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Mar 29, 2011
Apr 5, 2011
Currency Exchange Loss:
Nov 12, 2012