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María Isabel
Maria Isabel makes a living in the beautiful municipality of Santa Rosa Del Peñón located in the Leon department. She is a young woman, 29 years of age, and has 9 years of experience teaching grade school. She previously did not know where she could find a loan to help develop her family's life. She is seeking a loan from Ceprodel and Kiva to purchase cement, sand, brick, and labor. She believes this small financing would be very important to continuing the reparation of her home and thus giving better living conditions to her family.

She is only able to offer her honesty, strong credit record, good health, and passion for her work. This is what gives her the ability to seek this small credit that will help pull her out of poverty.
View original language description ↓
En un bello Municipio de Santa Rosa Del Peñón Ubicada en el departamento de león una bella ciudad donde se dedica al comercio es aquí donde habita doña María Isabel.

María Isabel una Joven de 29 años de edad, donde tiene 9 años de laborar como maestra en educación primaria, ella no tenía conocimiento en donde poder conseguir un crédito para el desarrollo de su familia.

Solicita un crédito a Ceprodel y Kiva para la compra de: Cemento, Arena, Piedrín y pago de mano de Obra, ella considera que este pequeño financiamiento seria de mucha importancia para ir reparando su vivienda y vivir en mejores condiciones con su familia.

De manera, solo cuenta con su honestidad, su buen record crediticio, su buena salud y su amor al trabajo, esto la hace a que pueda optar a este pequeño crédito que la ayudara a salir de su pobreza.

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
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,385,025
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped María Isabel to purchase cement, sand, brick, and labor.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Oct 31, 2012
Nov 13, 2012
Currency Exchange Loss:
Mar 18, 2014