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Luz Marina
Señora Luz Marina, who is fifty-three years old, lives in the city of Managua, Nicaragua. She is a single mother who has gotten her family ahead by herself, through her own hard work. She is a person with good habits and has worked as a custodian in a state university for nineteen years.

Doña Luz Marina came to CEPRODEL to request a loan for construction materials, like sheet metal, beams and fasteners. She wants to repair her roof, which is in bad condition.

With this loan from Kiva-Ceprodel, Doña Luz Marina will invest in maintenance, which will provide security to her home for a better quality of life.
View original language description ↓
La señora Luz Marina de cincuenta y tres años vive en la ciudad de Managua Nicaragua, es madre soltera que ha sacado adelante su familia solamente con el esfuerzo de ella, es una persona de buenas costumbres y labora en una universidad del estado desde hace diecinueve años desempeñándose como conserje.

Doña Luz marina se presento a CEPRODEL para solicitar un financiamiento para gastos de materiales de construcción como es láminas de cinz, perlin y soldadura para la reparación del techo que esta en mal estado.

Con este financiamiento que Kiva-Ceprodel le brindara lo invertirán en el mantenimiento y le dará seguridad a su vivienda para un nivel de vida mejor.

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
  • 49
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Luz Marina with construction costs.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Apr 30, 2013
May 13, 2013
Currency Exchange Loss:
Oct 26, 2014