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Maria Josefa
Mrs. María works hard as a teacher. She is now working as a pedagogic advisor, and has been doing so for seventeen years. She is married and has three children that get her support for their academic activities.

Mrs. María has currently the need to improve her house by building some rooms and a kitchen. This is why she decided to request a loan at CEPRODEL in order to buy bricks, cement, 3/8 in. corrugated iron rods, 1/4 in. straight iron rods, purlins, zinc sheets, wire, screws, gravel, sand, anti-corrosion paint, thinner, nails and to pay for the labor. In this way she will improve her family’s living conditions. The loan is the only way of reaching her goal, which requires great efforts.
View original language description ↓
La señora María, se dedica arduamente a laborar como maestra, actualmente esta desempeñándose como Asesora Pedagógica, dedicándose a esta labor desde hace 17 años, es casada con 3 hijos a quienes les está brindando el apoyo para su desarrollo académico.

Una de las necesidades que la señora María atraviesa hoy en día es de mejorar su vivienda con el anexo de cuartos y cocina, lo que le permitió tomar la decisión de solicitar un crédito a ceprodel para la compra de; ladrillos, cemento, varilla de hierro 3/8, corrugada, varilla de hierro lisa de ¼, perlines, zinc, alambre de amarre, golosos, piedrín , arena, pintura anticorrosiva, thinner, clavos y mano de obra, de esta manera mejorar las condiciones familiares, efectuando este gran esfuerzo que es la única manera para lograr el objetivo a través del financiamiento oportuno.

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
  • 56
    View loans »
    Nicaragua Loans Fundraising
  • $26,430,500
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $650 helped Maria Josefa to buy construction materials, such as bricks, cement, gravel and sand.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 10, 2012
Nov 9, 2012
Currency Exchange Loss:
Dec 9, 2012