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Juan Jose
Administrative work requires great effort and dedication because of the sensitivity of the operation, which determines the results that control the fate of the company. Juan has this great responsibility since he is in charge of the bakery owned by his mother. It is located in the town of Telica and has provided service there for the last 13 years.

He has a basic need to make an improvement to his home, that he wants to complete before the rainy season begins. This is the reason he came to Ceprodel, to take out a loan for the improvements to his humble home. He will buy cement, sand, paint, paint rollers, brushes, paint thinner and pay for labor. This will be used to make improvements to his home which will be a great benefit to him personally as well as his family.
View original language description ↓
El Trabajo administrativo requiere de grandes esfuerzos y dedicación por lo delicado de sus operaciones ya que con ello se determina los resultados que rigen los destinos de una empresa, por eso el señor Juan tiene esa gran responsabilidad ya que tiene ese cargo en la panadería de su mama en la localidad de telica con 13 años de servicios en la misma, pero él tiene una necesidad básica y quiere efectuarla antes que entre la época lluviosa de mejorar su vivienda, por eso
El acude a Ceprodel porque requiere solicitar un crédito para el mejoramiento de su humilde vivienda y para ello comprará Cemento, Arena, Pintura, Rodos, Brochas, Thinner y Mano de Obra, Esto con el fin de iniciar el mejoramiento de su vivienda que tanto lo requierepara beneficio propio y familiar.

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
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,787,975
    Funds lent in using Kiva
  • 23.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Juan Jose to buy cement, sand, paint, paint rollers, brushes, paint thinner and pay for labor.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 9, 2012
Mar 10, 2012
Currency Exchange Loss:
Apr 18, 2013