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Francisco José
Francisco José lives in the city of Managua and works in a market in Managua in the area of cleaning. He is an honest person who is responsible in his work and with his family.

He is applying for a loan from Kiva and Ceprodel to buy zinc to change the roof of his house, which is in a bad state, and he wants to make the improvements before winter begins.

Francisco thanks Ceprodel because thanks to loans he has been granted his family's living conditions have been improving.
View original language description ↓
El señor Francisco Jose vive en la cuidad de Managua, trabaja en un mercado de Managua en el área de limpieza, se caracteriza por ser una persona honesta, responsable en su trabajo y con su familia.

Está solicitando un crédito a kiva y ceprodel para la compra de zinc para el cambio de techo de su vivienda ya que se encuentra en mal estado y quiere hacer las mejoras antes que inicie el invierno.

Don francisco agradece a ceprodel porque gracias a créditos otorgados ha venido mejorando sus condiciones de vida 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
  • 45
    View loans »
    Nicaragua Loans Fundraising
  • $26,296,575
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Francisco José to buy zinc to replace his roof, which is in poor condition.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Feb 27, 2013
Mar 11, 2013
Currency Exchange Loss:
Feb 21, 2014