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Justo Jose
Justo Jose is a construction worker at a construction company. This is where his source of income comes from. He lives in a town near Managua with his family. He is asking for a loan from our institution to invest in home repairs. He will reinforce the walls and repair the roof. He is grateful to Ceprodel and Kiva for the opportunity and the confidence that they have in him. He will invest this loan in a way that will improve his living conditions and his family's living conditions.
View original language description ↓
El señor Justo José, trabaja en actividades de construcción en una empresa constructora. De ahí proviene su fuente de ingresos. Vive en un municipio de Managua con su familia.

Solicita el préstamo a nuestra institución para invertir en la reparación de su casa, lo cual será reforzamiento de paredes y reparación de techo. Estas mejoras le permitirán reparar su vivienda.

Agradece a Ceprodel y Kiva, por la oportunidad y la confianza depositada en el, por lo que este crédito lo invertirá en su vivienda de forma que esto le permitirá ir mejorando su condición de vida y la de su familia al mejorar su vivienda.

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
  • $26,251,375
    Funds lent in using Kiva
  • 24.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Justo Jose to improve his home and buy construction materials.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Mar 21, 2013
Apr 10, 2013
Currency Exchange Loss:
Jul 18, 2014