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María Elena
Maria Elena is a young resident of El Sauce who is earning a degree in accounting. She is struggling to get ahead as a professional so that she can have a better future.

She now works as a secretary, which allows her to help her humble mother with the household expenses and to pay for her education.

She is a responsible youth who is grateful to her mother for having educated her in the best way. Now that she is independent, she wants to pay her back by helping her in ways that she can, such as improving the house where they have lived for most of the years of her life.

She has received 6 loans from Ceprodel, and has invested them in improvements to the floor and walls of the house. Now she is adding a room so that they can have more space.

Maria Elena is requesting a loan to buy bricks, cement and an door to carry out her objective.
View original language description ↓
María Elena es una joven Sauceña que estudia la carrera de contabilidad, luchadora por salir adelante como profesional y tener un mejor futuro.
Actualmente labora como Secretaria, labor que le sirve para ayudar a su humilde madre con los gastos del hogar y pagar sus estudios.
Es una joven responsable que le agradece a su madre por haberla educado de la mejor manera y hoy que es independiente quiere recompensarle con ayudarle en lo que puede como mejorarle la vivienda donde han vivido por muchos años de su vida.
Ha recibido 6 créditos de Ceprodel los que ha invertido en mejorarle el piso, las paredes a la casa y hoy está anexando una habitación con el fin de tener más espacio.
El crédito solicitado es para la compra de ladrillos, cemento y puerta para llevar a cabo su objetivo.

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
  • 50
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 23.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped María Elena to buy bricks, cement and a door.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
May 22, 2012
Jun 5, 2012
Currency Exchange Loss:
Nov 17, 2013