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María Elsa
María Elsa lives in the municipality of Santa Rosa del Peñón, a beautiful city known for lots of different activities, and it is located in the department of León.

María Elsa is known as a responsible, honest and hard-working woman. She is seeking a loan from Kiva and Ceprodel, which she will pay back in 12 months, in order to purchase cement, sand, and bricks so that she can improve her home. Her home has suffered from the strong rain storms that have caused a lot of damage in the region.

She is a single mother of two children that depend on her. She works in a health center and with the little money that she earns she hopes to make home improvements so that she can stop facing challenges that cause harm to her family. This can only happen if Kiva and Ceprodel give her a helping hand.

She currently is in good health and has the capacity to work. Her small home was constructed poorly and has lots of problems, but she wants to make it better.

"Thanks to God I have found Ceprodel and Kiva, because they are providing me with help and providing possibilities for other people to work."
View original language description ↓
En el Municipio de Santa Rosa del Peñón una preciosa ciudad dedicada en diferentes actividades ubicada en el departamento de León, la joven María Elsa es conocida como una persona responsable, honesta y dedicada a trabajo.
María Elsa necesita un financiamiento de Kiva y Ceprodel para pagarlo a un plazo de 12 meses para la compra de Sementó, Arena y Ladrillo, para la mejora de su vivienda ya que ella ha sido afectada por fuertes lluvias que le han ocasionado mucho daño.

Es madre soltera con dos hijos bajo su cargo donde trabaja en un centro de salud, con lo poco que ella gana desea mejorar su vivienda y no seguir enfrentando esos problemas que le han ocasionado daño a su familia, pero esto solo se le puede cumplir a través que kiva y ceprodel ponga la mano amigable en su persona.

De momento solo cuenta con su buena salud, su capacidad de trabajo, su pequeña vivienda que la ha ido construyendo con muchas dificultades, pero que ha sido afectada donde quiere mejorarla.

"Agradezco a Dios como primer instancia por haberme encontrado con Ceprodel y Kiva, para que estos me sigan dando más ayuda y condiciones de trabajo a las personas"

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped María Elsa to buy cement, sand, and bricks.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 25, 2012
Nov 11, 2012
Currency Exchange Loss:
Dec 21, 2013