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Rudy José
This client works as a gardener at a tourist center in the town of San Rafael del Sur. He is married and the father of one child. He is requesting a loan for home improvements. These loans have been beneficial because he has had difficulty making modifications to his house.

These types of institutions evaluate the family income and then offer a payment schedule based on the individual worker’s salary.

View original language description ↓
Este cliente labora como jardinero en un centro turístico del municipio de san Rafael del sur, padre de un hijo, casado y solicita crédito para mejora del hogar, estos créditos le han beneficiado porque de lo contrario es difícil hacer modificaciones en su casa ya que estas instituciones evalúan los ingresos de la unidad familiar para luego ofrecer una cuota acorde al salario de cada trabajador.

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
  • 75
    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 $250 helped Rudy José to purchase materials for home improvements.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Aug 15, 2011
Oct 1, 2011
Currency Exchange Loss:
Jun 2, 2012