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Victoriano M. is a hard-working man who, since he was a child, has worked as a farmer in the field and with cattle. He has a house in El Sauce, city of León.

Mr. M. is married and has five children. He says that he works very hard to provide his family with the best possible lifestyle so they can develop and be great professionals and so they don't have to go through all the adversities he has gone through.

It is important to note that since Mr. M.'s house is located far away from the urban area he doesn't have electricity, and this is why he is asking Ceprodel to help him to get a loan to responsibly pay for the solar panel he has bought.

With the solar he will be able to power two lamps and a little TV. Thanks to the solar panel the situation at his home will improve since they will no longer need to use candles. The use of the solar panel will benefit him and his children who need it so much because they are students.

Translated from Spanish by Veronica MR, Kiva volunteer

Victoriano M. se caracteriza por ser un caballero muy trabajador que desde su niñez se ha desarrollado en el trabajo del campo en la agricultura y la ganadería teniendo su propia casa de habitación en la ciudad de León en el municipio de El Sauce.

Es un caballero casado y con cinco hijos a su cargo que lucha grandemente por brindarles un mejor estilo de vida para que puedan desarrollarse y llegar a ser grandes profesionales evitando atravesar situaciones adversas como las ha atravesado él según comenta.

Es necesario destacar que la necesidad que atraviesa es que por vivir en una lugar alejado de la zona urbana no cuenta con energía eléctrica para su iluminación y es por tal razón que acude a Ceprodel para obtener un crédito ya que ha adquirido un panel solar y muy responsablemente debe de honrar esta deuda.

Con el panel solar es necesario destacar que tiene lugar para instalar dos lámparas y un pequeño televisor. Ya con esto hace posible la mejora en su hogar por el hecho de que ya no necesitará candiles para iluminarse sino que hará uso del panel solar para beneficio propio y de sus hijos que tanto lo necesitan por estar en etapa estudiantil.

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
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,236,725
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Victoriano to pay for a solar panel for his house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 31, 2008
Mar 17, 2008
Currency Exchange Loss:
Apr 15, 2009