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Xiomara Elizabeth
Xiomara Elizabeth has worked in a school in the municipality of Paz Centro for two years as a primary teacher. With this job she has been able to provide her family with education, food and the other necessities. Her family consists of her and her two children.

She is currently requesting a loan to make improvements to her home. She wants to repair the roof and change the separation of the rooms and the kitchen. In order to do this, she needs to purchase tiles, cement, beams and pay for the labor. This provides a better quality of life for her children.

In the picture Xiomara is surrounded by her students of ages 12 to 14. They are doing a group assignment.
View original language description ↓
La señora Xiomara Elizabeth trabaja para una escuela en el municipio de la paz centro desde hace 2 años como profesora de primaria, con lo que ha sacado adelante su familia quien la conforma ella y dos hijos, brindándole estudio, alimentación y demás necesidades básicas de un hogar.

Actualmente solicita un crédito para mejora de su casa de habitación con reparación del techo de la cocina con la compra de zinc, perlines, clavos y pago de mano de obra, para darles una mejor condición de vida a sus hijos.

En la foto Xiomara está rodeada de sus alumnos entre las edades de 12 – 14 años realizando un trabajo en grupo.

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
  • 59
    View loans »
    Nicaragua Loans Fundraising
  • $26,425,425
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Xiomara Elizabeth compra de materiales de construcción zinc, cemento y otros.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Oct 23, 2012
Currency Exchange Loss:
Feb 17, 2014