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José Miguel
José Miguel, 30, lives in the town of Santa Rosa del Peñón, a beautiful and charming city in the department of León with many commercial activities and tourist spots. José Miguel makes a living teaching elementary school.

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."
View original language description ↓
En el Municipio de Santa Rosa del Peñón una preciosa y encantadora ciudad dedicada en diferentes actividades comerciales, donde cuenta con lugares turísticos ubicada en el departamento de León, es donde habita el joven José Miguel de 30 años de edad.

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".

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
  • 38
    View loans »
    Nicaragua Loans Fundraising
  • $26,391,875
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped José Miguel to buy cement and sand, and to pay for labor.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 28, 2012
Dec 14, 2012
Currency Exchange Loss:
Jan 18, 2014