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Aura Luz
Achuapa’s a town located 110 kilometers from León Department; it’s surrounded by green, flower covered mountains where the delicious ‘rosquillas’ [donut-shaped cookies] are made; it’s one of the main activities and they are made from cheese and sweets. Aura Luz is very proud to be from this humble town because people of scarce resources live here who strive daily to get ahead doing whatever activity that generates income to survive.

She has worked as a teacher for more than twenty years. She rises very early every morning to walk 20 kilometers to reach Los Hornos which is where the school is located where she teaches all the children from said district. To meet her work schedule, she leaves at 5am because there is no vehicular access and it’s reached only by foot.

She’s asking KIVA through Ceprodel for a loan to buy bricks, cement, sand and metal sheeting and to pay labor costs to finish building a room.
View original language description ↓
Achuapa, es un pueblo ubicado a 110 km del departamento de León rodeado de montañas verdes y florecidas donde producen las riquísimas rosquillas y es una de las actividades principales que son a base de cuajada y dulce.

Doña Aura Luz se siente muy orgullosa de ser originaria de este poblado humilde porque en él habitan personas de escasos recursos que luchan día a día por salir adelante ejerciendo cualquier actividad que le genere ingresos para sobrevivir.

Ella ejerce la profesión de maestra desde hace más de veinte años, diario se levanta desde muy temprano para caminar 20 km para llegar a la comarca Los Hornos donde está ubicada la escuela donde imparte clases a todos los niños de dicha comarca y para poder cumplir con su horario sale a las 5 am ya que no hay acceso en vehículos y solamente a pie se puede llegar.

Se siente muy satisfecha de tener su propia vivienda la que ha ido mejorando con el paso de los años gracias a su esfuerzo y al sudor de su frente.

Solicito la ayuda a KIVA a través de Ceprodel para que le otorgue un crédito para la compra de ladrillos, cemento, arena, zinc y pago de mano de obra, con el fin de terminar de construir un cuarto.

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
  • 63
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $525 helped Aura Luz to buy bricks, cement, sand, metal sheeting and to pay labor costs.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 8, 2012
Nov 14, 2012
Currency Exchange Loss:
Dec 14, 2012