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Brenda Mercedes
This woman is originally from a section of the town of Telica. She is a high school teacher and currently conducts classes at a local school where she has been employed for five years. Her family consists of two people since she is a widow and has one child who attends school in the area.

She is requesting a loan in order to make improvements to her home. She will buy construction materials such as blocks, cement, and ceramic tiles so that her conditions and standard of living can improve. The borrower came to CEPRODEL so that she could continue receiving financing and fulfill her dream. The loans she has received have had a positive impact by making life better for herself and her child.

View original language description ↓
Esta señora es originaria de una comarca del poblado de telica, su profesión es maestra de secundaria, actualmente está impartiendo clases en el instituto de la localidad con 5 años de ejercer dicha actividad, su núcleo familiar está compuesto por 2 personas ella, también es vuida y un hijo, el que estudia en el colegio de la localidad, actualmente solicito el crédito para mejorar su vivienda con la compra de materiales de construcción como: bloques , cemento y cerámica con el objetivo de mejorar sus condiciones y nivel de vida con ese objetivo se acerco a ceprodel para continuar solicitando financiamiento y cumplir con su sueño, ya que los créditos recibidos le han sido de gran impacto en mejoramiento mismo de ella y su hijo.

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,768,275
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Brenda Mercedes to buy construction materials for home improvements.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 10, 2012
Apr 17, 2012
Currency Exchange Loss:
Apr 18, 2013