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José Martin
José Martin is originally from Matagalpa, "la perla de Septentrión," (the pearl of Septentrión), a beautiful city known for its warm climate and coffee production. He is married with three children of school age.

José is a very hardworking man with good principles, morals, and ethics. He is currently working as a driver for a service company. He has been working for them for six years, demonstrating his good work performance.

He will use this loan to pay the labor costs associated with the expansion of a bedroom. It is necessary to carry out this improvement because his house is small and his family is growing. José is grateful for the financing which he has been awarded. This is very important to him, because with earlier loans he was able to buy construction materials to improve his home.
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Perfil del Cliente La perla del Septentrión es Matagalpa una bella ciudad agradable por su cálido clima y su gran producción de café, de esta hermosa ciudad es originario don José Martin, su estado civil es casado y tiene tres hijo dos en edad escolar.

José es un varón muy esforzado con buenos principio espirituales morales y ético, en la actualidad se desempeña como conductor de una empresa de servicios ya tiene más de seis años demostrando buen comportamiento laboral.

El crédito lo va utilizar para pagar mano de obra por la ampliación de un cuarto ya que le es necesaria realizar esta mejora porque su vivienda es pequeña y su familia está creciendo, don José agradece el financiamiento que se le ha venido otorgando ya que han sido de gran importancia porque con los anteriores ha comprado materiales de construcción para el mejoramiento de su vivienda.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,787,975
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $425 helped José Martin to pay the labor costs associated with the expansion of a bedroom.
Repayment Term
16 months (Additional Information)
Repayment Schedule
Oct 29, 2012
Nov 14, 2012
Currency Exchange Loss:
Dec 14, 2012