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Cenelia Elizabeth
Cenelia is an elementary school teacher in a rural school she travels 25 kilometers to for her classes. She has worked for 19 years in this job and is single.

She needs to build her house so she decided to visit CEPRODEL for a loan to improve her living conditions and standard of living. She needs support to realize such a beautiful dream as having her own house and enjoying it to the maximum degree.

She's grateful to CEPRODEL and the Kiva lenders for such a timely loan and for benefitting low-income people.
View original language description ↓
La señora cenelia es maestra de educación primaria, está ubicada en el colegio Rural donde se traslada a impartir clases a 25 kilómetros, tiene 19 años de laborar en dicha actividad, es soltera, esta señora tiene la necesidad de construir su vivienda, por eso decidió visitar ceprodel para ser beneficiada con un financiamiento y mejorar las condiciones y nivel de vida, por el cual merece el apoyo para que realice tan hermoso sueño como es de tener su casa propia y disfrutarla al máximo, agradeciéndole a ceprodel y a los inversionistas de kiva por tan oportuno crédito y por beneficiar a personas de bajos recursos.

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
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Cenelia Elizabeth to buy beams, metal roofing, cement, sand, doors, windows, red brick, anticorrosive, and thinner, and to pay for labor.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Nov 20, 2012
Dec 7, 2012
Currency Exchange Loss:
Apr 16, 2014