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Joel Alfredo
Joel Alfredo is a very responsible father who knows how to raise his children and supply them with everything they need at home and on the dinner table.

Today he wants to improve his living conditions and therefore is asking for a loan from CEPRODEL to invest in the purchase of construction materials such as cement, sand, concrete blocks and iron to build a wall in one of his rooms. The wall is currently in very bad shape and he wants to be able to repair it to offer better security to his much loved family.
View original language description ↓
Joel Alfredo es un padre de familia muy responsable que ha sabido criar a sus dos hijos supliendo todas las necesidades de su hogar y llevándoles el pan a su mesa.

Hoy en día, el señor Joel requiere mejorar las condicioenes actuales de su vivienda y para ello está solicitando un crédito en Ceprodel para ser invertido en la compra de los mateirales de construcción tales como cemento, arena, bloque y hierro para la construccion de una de las paredes de su casa de habitacion, la cual se encuentran en malas condiciones todo esto para brindarle una mejor seguridad a su familia a la que tanto ama.

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
  • 53
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 22.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Joel Alfredo to buy construction supplies to fix a wall in his home.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
May 13, 2011
May 25, 2011
Currency Exchange Loss:
Nov 14, 2012