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Margarita De Los Ángeles
Margarita lives in the Catarina municipality. This municipality was selected to participate in a pilot program to improve local training with respect to sanitation issues in Nicaragua.

She is 27 years old, and she is a state worker earning low income as a teacher. She teaches in an area known as Pacayita, which is where Margarita travels every day. Her family is comprised of her husband and her minor daughter.

She is currently applying to participate in a water and sanitation project, which includes obtaining a loan for the installation of an affordable sanitation system. This includes the installation of a conventional toilet with the construction of the Bio-San 1 system. This consists of the utilization of a 600 Its Biodigestor tank. This will provide better treatment of the waste water, and it will have an absorption well where the sanitized water will go. This will contribute greatly to the environment.

This setup is required because the place where she lives does not have access to sewer lines. For this reason, her family has been using a latrine. Her family is one of thousands who do not have access to improved sanitation. This project will benefit several municipalities across Nicaragua. It will allow them to have a better quality of life and to also contribute to the environment.

Without the opportunity of this loan, it would be impossible for Margarita to have access to a toilet because they are very expensive. With her low salary it is impossible to manage to install one. These programs come to help families living in the poorest conditions. The latrines cause illnesses and contaminate the environment. That is why the idea was born to create solutions intended for the poorest area.
View original language description ↓
Doña Margarita pertenece al municipio de Catarina, municipio que fue elegido para el programa de creación de alianzas para el fortalecimiento de las capacidades locales para el saneamiento de Nicaragua, es casada, con 27 años de edad, trabajadora del estado con ingresos bajos como docente, la docencia la ejerce en una comarca conocida como pacayita a la cual doña Margarita viaja todos los días. Su núcleo familiar lo conforman su esposo y su niña que es menor de edad.

Actualmente están aplicando para el proyecto de agua y saneamiento, a través de un financiamiento para instalar un sistema sanitario económico que consiste en la instalación de un inodoro convencional con la construcción de sistema Bio-San 1 que consiste en la utilización de un tanque Biodigestor de 600 lts, el cual le da un mayor tratamiento a las aguas residuales, acompañado de un pozo de absorción, donde cae el agua ya saneada, el cual contribuye grandemente con el medio ambiente.

Esto lo requiere ya que por donde ella habita no es posible el acceso a aguas negras, por lo que para su uso la familia cuenta con una letrina, siendo su familia una de la miles que no tienen acceso al saneamiento mejorado, con este proyecto que esta beneficiando a varios municipios del país, le permitirá mejorar su calidad de vida y también contribuir con el medio ambiente.

Sin la oportunidad de este crédito es imposible que Margarita tenga acceso a un inodoro ya que es muy costoso. Con su bajo salario es imposible que logre instalar, estos programas vienen ayudar a familias en condiciones mas pobres, las letrinas causan enfermedades y contaminan el medio ambiente, es por ello que nace la idea de crear estas soluciones dirigidas al sector más pobres.

Additional Information

More information about this loan

This loan is part of CEPRODEL's initiative to expand access to sanitation facilities. Working with the World Bank and local governments, CEPRODEL offers these loans to help clients buy environmentally-responsible toilets, sinks, and shower/bath systems. Eligible recipients include clients and families who live in very poor regions of Nicaragua, lack access to water, or are employed making handicrafts or as roving salespeople. Along with these loans, clients receive environmental education training from the World Bank to better understand how plumbing interacts with the local ecosystem. By supporting this loan, you are making a difference in a country where 48% of the population lacks access to proper sanitation.


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
  • $26,415,325
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Margarita De Los Ángeles to buy construction materials and a toilet.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 15, 2013
Mar 21, 2013
Currency Exchange Loss:
Mar 17, 2015