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Carlos Manuel
Sebaco is a very productive city especially vegetables and rice. Carlos Manuel is from this important city; he’s hardworking and very much wants to get ahead with his family. He currently works as a plumber and is asking Ceprodel for a loan to pay to have a bedroom added to his house. This home improvement will provide improved comfort for his family since his nuclear family has grown.
View original language description ↓
Sebaco una ciudad altamente productiva principalmente en la producción del hortaliza y arroz de esta importante ciudad es habitante el señor Carlos Manuel, esforzado y con el buen ánimo de salir adelante con su familia.

Actualmente trabaja como fontanero, solicita a ceprodel un crédito para pagar la mano de obra de la construcción de un cuarto de habitación en su vivienda, la mejora de su vivienda le dará mayor comodidad a su familia ya que el núcleo familiar ha crecido.

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
  • 53
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Carlos Manuel to pay to build a room at home.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 12, 2012
Oct 27, 2012
Currency Exchange Loss:
Dec 21, 2013