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Maria Neris
Neris lives in the town of Larreynaga in León, where she works as a primary school teacher in the municipal school. She feels very happy because working with children has taught her many things and she has been satisfied with this work for 23 years.

She is asking for this loan to purchase construction materials such as stone, cement, iron, sand, and tiles to improve the condition of her home. She needs to do the repairs and it will provide her family with a better quality of life. Her main goal is to benefit from the loan, and do the work immediately for her own benefit and her family's.
View original language description ↓
La señora Neris vive en el municipio de Larreynaga en León donde se desempeña como maestra de primaria de un colegio municipal, se siente muy contenta porque el trabajar con los niños le ha enseñado muchas cosas y se siente satisfecha con 23 años de ejercer dicha labor.

Está solicitando un crédito para invertirlo en la compra de materiales de construcción como piedra cantera, cemento, hierro, arena y cerámica para mejorar la condición actual de su vivienda porque requiere realizarlo y así proporcionar a su familia un mejor nivel de vida ya que el objetivo principal es de favorecerse con el financiamiento y realizar la obra a lo inmediato para beneficio propio y de 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
  • 30
    View loans »
    Nicaragua Loans Fundraising
  • $26,398,725
    Funds lent in using Kiva
  • 22.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Maria Neris to purchase stone, cement, iron, sand, and tiles.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 19, 2011
Dec 4, 2011
Currency Exchange Loss:
Jan 19, 2013