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Darío is a 54 year-old man who has dedicated almost all of his life to teaching children of all ages to read and write. He has a lot of experience teaching at the elementary school level, a profession that he chose because of his passion for teaching. This work gives him a lot of satisfaction, so much that now he is the principal of a school in a district that is located 10 kilometers from the town of El Sauce.

Darío is an enterprising person who is a native of a poor rural settlement. Over time, he struggled to be able to get his teaching job, overcoming obstacles such as seasonal winter flooding of the Los Panales No. 1 river, which damaged the roads he used for access.

Thanks to his salary, and the support provided by Kiva through CEPRODEL, he has improved the condition of his home. He has expanded it, and now his small children and wife can enjoy having more space, which makes him feel very pleased and grateful.

He is requesting a loan to buy bricks, cement, sand, corrugated metal roofing material and beams so that he can finish construction of a room, because his goal is to have a decent home in spite of being a humble employee and he is thinking about having a better future for his children.
View original language description ↓
Darío es un señor de 54 años que se ha dedicado casi toda su vida a enseñar a leer y escribir a niños de todas las edades donde tiene una gran experiencia en la Educación primaria, profesión que eligió porque le apasiona y le da satisfacción, tanto así que hoy en la actualidad dirige un colegio de una comarca ubicada a 10 km del municipio de El Sauce.
Es una persona emprendedora, originario de un caserío de escasos recursos que día a día lucha para poder llegar y cumplir a su puesto de trabajo venciendo los obstáculos como en temporada de invierno que se crece el río de Los panales No 1 y se dañan los caminos de acceso.

Gracias a su salario y el apoyo que le ha brindado KIVA a través de Ceprodel ha mejorado las condiciones de su vivienda, la ha ampliado donde hoy sus pequeños hijos y esposa gozan de mayor espacio lo que se siente muy satisfecho y agradecido.

Está solicitando un crédito para compra de ladrillos, cemento, arena, zinc y perlines para terminar de construir un cuarto porque su objetivo es tener una vivienda digna a pesar de ser un humilde asalariado piensa en tener un mejor futuro para sus hijos.

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
  • 55
    View loans »
    Nicaragua Loans Fundraising
  • $25,750,675
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $675 helped Darío to buy bricks, cement, sand, corrugated metal roofing material and beams.
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 22, 2012
Oct 26, 2012
Currency Exchange Loss:
Nov 25, 2012