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Ernesto Jose
Ernesto José has been working as a self-employed auto-electrician for more than 20 years, and he has been able to support his family.

He is requesting a loan to carry out improvement works to his house, that is extend the kitchen, through the purchase of beams, metal sheeting and other materials. His dream is to be able to provide his family with a safe roof over their heads.
View original language description ↓
El señor Ernesto José trabaja como electricista automotriz desde hace más de 20 años por su propia cuenta y ha podido sacar a su familia a delante.

solicita un crédito para mejoras de su vivienda o ampliación de cocina con compra de perlines, zinc y otros materiales. sus sueños es brindar un techo seguro para su familia.

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
  • 70
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Ernesto Jose to carry out house improvements (kitchen extension).
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 17, 2013
Feb 9, 2013
Currency Exchange Loss:
Feb 20, 2014