Check out other loans that are currently fundraising!
Juan Ramón
Sr. Juan Ramón works as a plumber in the state’s water supply system in the municipality of Managua. He has done this work for 17 years. He is unmarried, with five people who are dependent on him. He is a person with good moral values.

Juan Ramón came to Ceprodel to request a loan to improve his house by buying construction material, such as cement blocks and sand, and to pay for labor to add a room to his house, thereby providing better living conditions to his family.
View original language description ↓
En municipio de Managua, el señor Juan Ramón se dedica a laborar como fontanero de sistema de agua potable en una institución del estado, dedicándose a esta labor desde hace diez y siete años. Es soltero y con cinco personas a su cargo, es una persona con buenos valores morales.

El señor Juan Ramón 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 bloque, cemento, arena, y pago de mano de obra, para hacer un anexo de un cuarto en 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
  • 60
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 22.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Juan Ramón to buy construction materials.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 22, 2011
Sep 9, 2011
Currency Exchange Loss:
Nov 30, 2012