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Flor De María
Flor de María is 31 years old and single. She is from Matagalpa, a city located in northern Nicaragua that is of great importance for its large production of coffee and vegetables.

Flor has one school-aged son in her care, and currently she has been working as a janitor for a state company for more than four years. Her salary is earmarked for the household expenses.

She is applying for a loan in order to buy construction materials such as tile and paint, as she needs to carry out some improvements to her home. Only through this loan would she be able to undertake this improvement, as using money from her salary is a little more difficult.
View original language description ↓
Flor De María de 31 años de edad soltera, es originaria de Matagalpa una ciudad ubicada en la parte norte de Nicaragua de gran importancia por su gran producción de café y hortaliza.

Flor tiene a su cargo un hijo en edad escolar, actualmente ella se desempeña como conserje de una empresa estatal desde hace más de cuatro años con su salario lo destina para los gasto del hogar.

solicita un financiamiento para compra de materiales de construcción tales como azulejo y pintura, ya que necesita realizar algunas mejoras a su vivienda y solo a través de este crédito podría realizar esta mejora ya que con el pago de su salario se le dificulta un poco más.

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
  • 50
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Flor De María to buy construction materials such as tile and paint.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 16, 2012
Dec 5, 2012
Currency Exchange Loss:
Dec 21, 2013