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Alma Nidia
Alma Nidia is from the town of El Sauce. She has her own household which consists of her two daughters and her husband. They have worked hard to build their own home which they have gradually improved thanks to loans that they have received from Ceprodel. Alma Nidia works as an elementary school teacher in a school in the town. She has many years experience.

This is Alma Nidia's sixth loan from Ceprodel and she will use it to buy bricks, cement and sand, and to pay labor costs. Her aim is to continue improving her home so that it is in good condition and also to provide her daughters with a better standard of living.
View original language description ↓
La Sra. Alma Nidia es originaria del municipio de El Sauce, tiene un hogar conformado por dos hijas y su esposo los cuales han luchado juntos por construir su propia vivienda la que han acondicionado poco a poco gracias a todos los financiamientos que le ha otorgado Ceprodel, se desempeña como maestra de educación primaria en un colegio de la localidad con muchos años de experiencia.
Es el sexto crédito que solicita en Ceprodel para la compra de ladrillos, cemento, arena, pago de mano de obra con el fin de seguir mejorando su vivienda con todas las condiciones adecuadas y así brindarles un mejor nivel de vida a sus hijas.

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
  • $26,296,575
    Funds lent in using Kiva
  • 22.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Alma Nidia to buy bricks, cement and sand, and to pay labor costs.
100% repaid
Repayment Term
24 months (Additional Information)
Repayment Schedule
Aug 16, 2011
Oct 1, 2011
Currency Exchange Loss:
Jul 17, 2013