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Erika Marcela
Ericka is from the municipality of Telica. This young woman is 29-years-old and the mother of two children. She works as an elementary school teacher. She chose this profession because she’s passionate about teaching to read and to write and feels good because she contributes to Nicaragua’s development by forming professionals who are the country’s future.

Despite being young and having formed her family at an early age, she’s a very mature, enterprising woman who is concerned for her children’s future; to build her own house with all conditions and not spend her entire life living in the family home. To reach her dreams, she strives daily to do her work even though she lives far from the school where she teaches and must leave home at 5am in order to be punctual and be an exemplary teacher.

Little by little and with help from loans, she’s built the essentials of her house but needs another loan to buy building materials like bricks, cement, roofing purlins and metal sheeting to continue with the project. She trusts in God that Kiva through Ceprodel will approve her loan application so she can reach the goal of owning a house.
View original language description ↓
Ericka es originaria del municipio de Telica, es una joven de 29 años, casada, madre de dos niños, que se dedica a laborar como maestra de primaria. Eligió esta profesión porque le apasiona enseñar a leer y escribir y se siente bien porque aporta al desarrollo de Nicaragua en formar profesionales que son el futuro de dicho país.

A pesar de ser joven y de haber formado a temprana edad su familia es una mujer madura, emprendedora que piensa en el futuro para sus hijos, en construir su propia vivienda con todas las condiciones y no habitar toda la vida en casa familiar.
Para lograr sus sueños se esfuerza día a día para cumplir en su trabajo en la jornada laboral a pesar de quedar tan lejos la escuela donde imparte clases, ya que tiene que salir de su vivienda a las 5 am para estar puntual y ser una maestra ejemplar.

Poquito a poco y con la ayuda de los créditos ha construido lo esencial de una vivienda pero necesita otro crédito para comprar materiales como ladrillos, cemento, perlines y zinc para seguir con esta obra.
Confía en Dios que KIVA a través de Ceprodel aprobará su solicitud para cumplir su objetivo de ver su casa propia.

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 Nicaragua

  • $4,800
    Average annual income
  • 64
    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 $600 helped Erika Marcela to buy bricks, cement, roofing purlins and metal sheeting.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 27, 2012
Dec 10, 2012
Currency Exchange Loss:
Jan 18, 2014