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Virginia is a 55-year old woman, married and mother of two children, who are already independent. She's from the municipality of El Sauce, located 90km away from the department of León.

She's been teaching in primary education at a school in her town for 25 years and has had a tough life because for a long time she had to rent a house. She didn't have one of her own, but thanks to the unconditional support from Kiva through Ceprodel she was able to buy a patio where she started to build her home. She's been making improvements little by little and her dream is to have a house with all the appropriate conditions.

She's now requesting a loan to buy cement, sand and gravel that she'll use to plaster and tile, given that there is still soil as floor. She feels very grateful to Kiva and Ceprodel for the financing as it has improved her quality of life. She trusts that God will keep supporting her to finish her house.
View original language description ↓
Virginia es una señora de 55 años, casada, madre de familia de dos hijos los cuales ya son independientes, originaria del municipio de El Sauce ubicado a 90 km del departamento de León.

Desde hace 25 años se ha dedicado a dar clases a niños de primaria en un colegio de la localidad. Le ha tocado una vida dura porque por muchos años alquiló vivienda ya que no contaba con una propia pero con el apoyo incondicional que le ha brindado Kiva a través de Ceprodel con los financiamientos logró adquirir un patio donde inició a construir su casita la que ha ido mejorando poco a poco, su sueño es tener una casa con todas las condiciones adecuadas.

Actualmente está solicitando un crédito para la compra de cemento, arena y piedrín para repellar y embaldosar la casa, ya que el piso es de suelo.

Se siente muy agradecida con Kiva y Ceprodel por los financiamientos que le ha otorgado porque ha mejorado su nivel de vida.

Confía en Dios que le sigan apoyando para terminar su casa.

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 Nicaragua

  • $4,800
    Average annual income
  • 60
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Virginia to buy cement, sand and gravel.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 19, 2013
Mar 25, 2013
Currency Exchange Loss:
Apr 16, 2014