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Jose Mercedes
Mrs. Jose is a woman who is worried about the health of those around her, and that is why she was called to get a degree in nursing, which she practices in a health center in the area where she lives. She has 28 years of working in this profession. She is single with one child under her care, to whom she brings everything he needs to grow up. Right now, she needs to improve the ceiling of her house, so she decided to visit Ceprodel in order to ask for a loan for construction materials such as: Zinc, Perlin, Ceramics, Cement Bonds, and manual labor, in order to complete the work and everything that is necessary. This way, she will improve her living conditions and increase her standard of living.
View original language description ↓
La señora jose es una mujer preocupada por la salud de los demás, por eso por vocación escogió la especialidad de licenciatura en enfermería, la cual la ejerce en un centro de salud de la localidad donde habita, con 28 años de ejercer dicha profesión, es soltera con un hijo a su cargo, el que le brinda todo el apoyo necesario para su desarrollo, actualmente está presentando una necesidad de mejorar el techo y piso de su vivienda, por lo que se decidió visitar a ceprodel para solicitar un financiamiento para la compra de materiales de construcción como; Zinc, Perlin, Cerámica, Cemento Bonds y Mano de Obra, para realizar dicha obra la que tanto necesita y de esa manera mejorar las condiciones y nivel de vida.

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
  • 62
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Jose Mercedes to purchase construction materials and labor to help improve the roof of her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 14, 2013
Apr 10, 2013
Currency Exchange Loss:
Apr 16, 2014