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Luisa Karolina
Luisa Karolina lives in the town of El Sauce. She describes herself as a person who is very dedicated to work and to the tasks she carries out together with her family. Luisa Karolina is married but has no children in her care; she lives with her mother. She’s currently employed by a municipal institution and she’s responsible for an area.

She has called upon Ceprodel to request a loan to buy sand and cement and to pay labor costs to do some home improvements because this will provide better living conditions for her and for her family that so needs a proper roof to live under.
View original language description ↓
La Señora Luisa Karolina se encuentra ubicada en el municipio de El Sauce. Se ha identificado por ser una persona muy dedicada al trabajo y a las labores que lleva a cabo en conjunto con su familia.

Luisa Karolina es Casada, pero sin hijos a su cargo y además vive junto con su madre. Actualmente labora en su municipio en una institución la cual es responsable de un área.

Actualmente ha acudido a Ceprodel con el fin de realizar una solicitud de crédito para la compra de arena, cemento y pago de mano de obra, para el mejoramiento de su vivienda, ya que con esto le permitirá mejorar sus propias condiciones de su vida y la de su familia que tanto requiere de dicha mejora para tener un techo digno donde habitar.

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
  • 42
    View loans »
    Nicaragua Loans Fundraising
  • $26,237,600
    Funds lent in using Kiva
  • 22.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Luisa Karolina to buy building materials and supplies and to pay labor costs.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Sep 30, 2011
Oct 6, 2011
Currency Exchange Loss:
Feb 15, 2013