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Ada Ruth
Mrs. Ada Ruth is notable for being a very hardworking person who has known how to provide wellbeing for her home and managed to keep her family that she so loves and is fond of in the best possible living conditions. She is noted for being an excellent worker with high moral standards that have led to her being held in high regard by many people in her town.

She came by Ceprodel-El Sauce to request a loan to enlarge her home. This is the reason she’s asking for the loan: to buy building materials and supplies like: sand, cement, bricks and metal sheeting and to pay labor costs to start making home improvements to better her family’s living conditions.
View original language description ↓
La señorea Ada Ruth atraviesa la necesidad de invertir en la mejora de su vivienda debido a que ha estado en malas condiciones y por ello requiere comprar materiales de construcción, tales como Arena, cementó, ladrillo y el pago de mano de obra, Cabe mencionar que ella es una mujer muy preocupada por el bienestar de su hogar y es por eso que con el crédito empezará la mejora de su vivienda para así proporcionarle mejores condiciones a su familia en su municipio.

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
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,238,100
    Funds lent in using Kiva
  • 22.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Ada Ruth to buy cement, sand, bricks and metal sheeting.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Aug 12, 2011
Oct 6, 2011
Currency Exchange Loss:
Jan 26, 2012