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Fabio Ceferino
Fabio Ceferino has worked as a plumber for the aqueduct and sewer system company for more than four years. He reports to the office at 7:30 a.m. to subsequently go out with a team to repair any problems that occur in the pipes throughout the city. He finishes work at 6:00 p.m.

An area of need that Ceferino faces is that he doesn't have his own house; he has been living with some relatives for a long time. Tired of that situation, he approached Ceprodel about being granted a loan to construct a little house, which would improve his family's well-being and allow him to have his own home.
View original language description ↓
El Señor Fabio Ceferino Tiene mas de 4 Años de laborar para la empresa de acueductos y alcantarillados como fontanero, el se presenta a las oficinas a las 7:30 am para posteriormente salir en cuadrillas a reparar problemas de las tuberías que se presenten en toda la ciudad, terminando sus labores a las 6:00 pm.

Una de las necesidades que se le ha presentado al Señor Ceferino es que no tiene casa propia desde hace mucho tiempo en casa de unos familiares, cansado de esa situación se presento Ceprodel para ser beneficiado con un crédito para construir una pequeña casita y así otorgarle bienestar a su familia y poder contar con su propia casa.

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
  • 51
    View loans »
    Nicaragua Loans Fundraising
  • $26,282,975
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Fabio Ceferino to purchase construction materials like bricks, sand, cement, iron, zinc sheeting, beams, and nails.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Apr 30, 2012
May 25, 2012
Currency Exchange Loss:
Jan 19, 2014