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Justa Pastora
Justa Pastora is a woman that has lived in the town of Condega for more than 20 years and she is happily married with three children (they are now independent adults).

She works as a laborer in a tobacco factory in Condega and they export their tobacco products abroad. She works from Monday to Saturday, from 7:00 AM until 5:00 PM. Her husband works in agriculture on a farm that grows basic grains. They both work hard to provide for their daily household needs.

Justa Pastora came to our offices asking for her eighth loan from Ceprodel, where she hopes to be approved so that she can buy the construction materials that she needs, such as cement, bricks, and money to pay the workers, so that she can improve her house. Her monthly wages are not sufficient and she is not currently able to make the improvements on her own. We should mention that the previous loans she received from Ceprodel were also used to improve her home and she is thankful for the support that our institution has given to her so that she can have a more suitable home.
View original language description ↓
El señora Justa Pastora es una señora que reside en el casco urbano de Condega desde hace mas de veinte años aproximadamente y esta felizmente casada y tiene tres hijo los cuales son independientes.

Ella se desempeña como obrera en la fabricación de puros de tabaco en una empresa tabacalera del en el casco urbano de Condega y que son exportados al extranjero, labora de lunes a sábado de 7 de la mañana hasta las 5 de la tarde, y su esposo se desempeña como agricultor una propiedad donde se desempeña en la producción de granos básicos, donde ambos trabajan fuerte para obtener el sustento diario de su hogar.

Esta clienta se presento a nuestras oficinas a solicitar su financiamiento numero ocho en Ceprodel y donde ella espera que ser aprobado este crédito ella pueda realizar las compras de algunos materiales de construcción tales como cemento y ladrillos y pagar la mano de obre de la mejora que le realizara a su casa de habitación, ya que sus ingresos mensuales no son suficiente como para poder realizar las mejorar con esfuerzo propio y en el momento preciso. Cabe mencionar que los financiamiento anteriores que esta clienta a recibido de Ceprodel han sido para el mejoramiento de su vivienda y se muestra agradecida por el apoyo que nuestra institución le ha brindado y de esta manera tener un techo mas digno.

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
  • 62
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Justa Pastora to buy construction materials, such as cement and bricks, and to pay workers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 27, 2012
Dec 6, 2012
Currency Exchange Loss:
Dec 21, 2013