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Vilma Lorena
Vilma works as an elementary school teacher in a school in the location where she lives. She has two children in her care who are 5 and 8 years old; she gives them all the care and attention they deserve. She’s asking Ceprodel for a loan because she needs to repair the roof and walls. She must buy cement, sand, paving stones, metal sheeting and pay labor costs which will lead to improved living conditions and living standard of her family. She thanks Ceprodel for the opportunity to do the construction job she needs.
View original language description ↓
La señora Vilma trabaja como maestra de educación primaria, en un colegio de la localidad donde habita, actualmente tiene a su cargo a los niños pequeños entre 5 y 8 años, a los que le brinda todo el esmero y atención que merecen, esta señora solicita un préstamo a ceprodel ya que Precisa el mejoramiento de techo y pared, debe comprar: Cemento, Arena, Piedra Cantera , Zinc y Mano de Obra, lo que vendría a mejorar las condiciones y nivel de vida de su familia, de esta manera agradece a ceprodel por la oportunidad de poder realizar la obra de construcción que necesita.

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
  • 51
    View loans »
    Nicaragua Loans Fundraising
  • $26,282,975
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Vilma Lorena to buy building supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 22, 2012
Nov 9, 2012
Currency Exchange Loss:
Nov 17, 2013