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Santos Manuel
Santos, 48, is married and the father of five children who depend on him. He works as a heavy transport driver in the city of Managua.

He once again visits Ceprodel’s offices to request a new loan to continue doing home improvements to provide his entire family with better living conditions. He will buy building materials to finish the home improvements.
View original language description ↓
Santos tiene 48 años de edad es casado y padre de familia de conco hijos pero los cuales dependen actualmente de el, trabaja como conductor de transporte pesado en la ciudad de managua.
el visita nuevamnete las oficinas de ceprodel para solicitar un nuevo prestamo para el seqguir realizando las mejoras de su casa de habitacion, todo esto para brindarles mejores condiciones de vida a toda a su familia.
va acomprar materiales de construccion para terminar las mejoras en su casa.

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
  • 62
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 22.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Santos Manuel to buy building materials and supplies.
100% repaid
Repayment Term
24 months (Additional Information)
Repayment Schedule
Jul 28, 2011
Aug 6, 2011
Currency Exchange Loss:
May 17, 2013