He needs a loan from Kiva and CEPRODEL to buy cement and sand, and to pay for labor. With this he'll achieve one of his main dreams, to repair his house.
With what little he earns he wants to improve his home and not continue facing those problems that have created so much damage for his family. He can only achieve this, though, with a loan financed by Kiva and CEPRODEL.
He hopes to get this type of financing. If not, he and his family will continue living with hardships. "First of all I thank God for having introduced me to CEPRODEL and Kiva so they can lend a friendly hand, which I need so much, and for being able to live in a better house."
José Miguel se dedica a brindarle enseñanza a estudiante de educación primaria, necesita un financiamiento de Kiva y Ceprodel para la compra de Cemento, Arena y Pago de Mano de Obra con esto obtendrá uno de sus principales sueños, como es el de reparar su vivienda.
Con lo poco que él gana desea mejorar su vivienda y no seguir enfrentando esos problemas que le han ocasionado mucho daño a su familia, pero esto solo se le puede obtener a través de un crédito que le financie kiva y Ceprodel.
Él cuenta con la esperanza de obtener este tipo de financiamiento de lo contrario seguirá viviendo duras penas con su familia.
"Agradezco a Dios como primera instancia por haberme encontrado con Ceprodel y Kiva, para que estos le brinden mano amigable que tanto necesita y poder vivir en un mejor techo".
About CEPRODELThis 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.
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Success!! The loan was 100% repaid