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Santos Ramón
Santos Ramón lives in Managua Department in Nicaragua. He’s single and has one dependent. He’s worked as a light transport driver for a state institution for seven years. Santos Ramón has come by Ceprodel to request a loan to buy building materials like concrete blocks, sand and cement to build a bathroom at home in order to provide better living conditions for his family.

“We hope from Ceprodel and from organizations that support it that they will continue providing help to clients who need financing so we can invest in our homes and we are grateful for the opportunity being provided.”
View original language description ↓
Don Santos Ramón vive en el departamento de Managua Nicaragua, es una persona soltero, tiene bajo su cargo a una persona, trabajo estable desde hace sietes años donde se desempeña como conductor de transporte liviano en una institución del estado.

don Santos Ramón se presento a CEPRODEL para solicitar un crédito y poder comprar materiales de construcción tales como bloque, arena, cemento para construir en su vivienda un baño, para darle una mejor condición de vida a su familia.

"Esperamos de CEPRODEL y de los organismos que apoyen para seguir brindándoles ayuda a los clientes que necesitamos de estos financiamientos, para hacer inversiones en nuestra vivienda y le agradecemos por esta oportunidad que brindan".

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
  • 63
    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 $875 helped Santos Ramón to buy building materials and supplies.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Nov 28, 2012
Dec 10, 2012
Currency Exchange Loss:
Jul 18, 2014