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Emilio Bernabé
Emilio lives in El Sauce, a beautiful, charming town with a variety of business enterprises. Emilio is a young, 36 year old man who works hard for his life and that of his family. He has three children under his care. He is a motorcycle mechanic and owns his own business, located at his home. He provides repair services to various customers in town. Today, he sees the need to repair his home’s roof. For this reason, he is requesting financing from Kiva and Ceprodel to purchase cement, sand, zinc metal sheets, and to pay for labor costs. This loan is very important because it would allow him to live in better conditions with his family. He is grateful to Kiva and Ceprodel for helping him with the loan and for always thinking about people’s desires to live in better conditions.
View original language description ↓
Emilio habita en el municipio del Sauce, un bello y encantador Pueblo, donde existen diferentes actividades comerciante.

Emilio Bernabé se llama el Joven de 36 años edad Luchadora por su vida y la de su familia, cuenta con tres hijos bajo su cargo, se dedica a brindar sus servicios en su propio negocio ubicado en su casa de habitación el cual es mecánico de moto, donde repara las motos a diferentes clientes del municipio.

Hoy en día se vio la necesidad de querer mejorar el techo de su vivienda, por lo que solicita a kiva y Ceprodel que le financien un crédito para la compra de Cemento, Arena, zin y pago de mano de Obra, esto sería de gran importancia porque le permitiría vivir en mejores condiciones con su familia.

Agradece a Kiva y Ceprodel que ayudan con crédito y que siempre piensan en las personas con deseo de vivir en mejores condiciones.

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
  • 52
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Emilio Bernabé to purchase cement, sand, zinc metal sheets, and to pay for labor.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 8, 2013
Apr 7, 2013
Currency Exchange Loss:
Apr 16, 2014