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Javier Antonio
In the Managua municipality, Javier Antonio Works as a security officer at a state institution, which he has done for fourteen years. He has a live-in partner and two people dependent on him, and he provides the necessities for his family.

Javier Antonio has come to CEPRODEL to request a loan to improve the condition of his home by purchasing construction materials like cinz and purlins, and paying for labor to change the roof. This will make his home safer, and improve quality of life for his family.
View original language description ↓
En municipio de Managua, el señor Javier Antonio se dedica a laborar como agente de seguridad en una institución del estado, dedicándose a esta labor desde hace catorce años. Es acompañado y con dos personas a su cargo que le proporciona las condiciones necesarias a su familia.

El señor Javier Antonio ha acudido a ceprodel con el fin de solicitar un crédito para mejorar la condición de su vivienda en la compra de materiales de construcción tale como cinz, perlines, y pago de mano de obra, para cambia techo de su vivienda para darle seguridad a su vivienda, por medio de esta obra brindarle mejor condición de vida a 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
  • 22.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Javier Antonio to make home improvements.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 30, 2011
Aug 11, 2011
Currency Exchange Loss:
Nov 20, 2012