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Carlos Gerald
Carlos Gerard is a young man of 31. He is happily married and has a son. Since he was very little, he has been industrious and studious and passionate about numbers. For this reason, he chose to study the mathematics curriculum, and now he works as a secondary teacher in a school in a rural area to the north of the town of El Sauce.

To arrive at school at his starting time, he gets up at 5 am to be able to catch the bus, which takes two hours to arrive in the district where he gives classes, mainly to children of scarce resources who many times do not have a pair of shoes.

He thinks about everything he experiences daily at his school in order to be a better father every day and to see that his family does not lack daily sustenance or the love of a father for his son, something that he lacked. Nevertheless, this was not an obstacle for his striving and trying to accomplish his dreams.

With his low salary he has done what is possible to have a worthy home in adequate condition. Now he is applying for a loan from Kiva to plaster the walls with the goal of better security. He will use the loan to buy construction materials such as cement and sand and pay for labor.

He requests that Kiva and Ceprodel offer him support to complete his goal, since only this way can the dreams of poor people be accomplished.
View original language description ↓
El joven Carlos Gerald es un joven de 31 años, felizmente casado con un hijo, desde muy pequeño ha sido bien aplicado y estudioso apasionado por los números, por ese motivo eligió estudiar la carrera de matemáticas y hoy en la actualidad se desempeña como maestro de secundaria en un colegio del área rural al norte del municipio de El Sauce.

Para cumplir con su horario de entrada se levanta a las 5 am para poder tomar el autobús que dura dos horas para llegar a la comarca donde imparte clases sobre todo a niños de escasos recursos que muchas veces no tienen para un par de zapatos.

Todo esto que vive a diario en su colegio lo reflexiona para ser un padre cada día mejor y que no le falte el pan de cada día a su familia ni el amor de padre para su hijo algo que a él le hizo falta, sin embargo esto no ha sido un obstáculo para luchar y tratar de cumplir sus sueños.

Con su bajo salario ha hecho lo posible para tener una vivienda digna con condiciones adecuadas, hoy en la actualidad está solicitando un crédito a Kiva para repellar las paredes con el fin de mayor seguridad con el cual comprará materiales de construcción como cemento, arena y pago de mano de obra.
Ruega a Kiva y Ceprodel que le brinden apoyo para llevar a cabo su objetivo ya que solo así se pueden cumplir los sueños de las personas pobres.

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
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,418,100
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Carlos Gerald to buy cement and sand and pay for labor.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Dec 26, 2012
Jan 8, 2013
Currency Exchange Loss:
Apr 16, 2014