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José Martin
Mr. José Martin lives in the city of Managua where he has been a security agent for three years in order to provide a better lifestyle for his family.

José Martin visited our offices to request a loan since he wants to make some home improvements. He plans to buy zinc so he can fix the roof on his house before winter arrives. He is grateful to Ceprodel for the loan which will help him make his home more comfortable.
View original language description ↓
El señor José Martin vive en la ciudad de Managua, se dedica a labor de agente de seguridad desde hace tres año, para brindarle una mejor condición de vida a su familia

El señor José Martin visito nuestra instalación para solicitar un crédito ya que necesitaba el crédito para invertir en unas mejoras para su vivienda.
La inversión del crédito los va a utilizar para la compra de zinc ya que la llegada del invierno tiene que mejorar el techo de su vivienda y agradece a ceprodel por el crédito que le dieron por que gracias al dinero financiado va a poder mejorar su hogar.

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 22.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped José Martin to buy construction materials.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jun 23, 2011
Jul 11, 2011
Currency Exchange Loss:
Nov 30, 2012