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Zoraida is an employee of the municipal government and is responsible for the library. She is a fighter. She is a single mother of four children, all of whom are married.

She is requesting this loan to improve her home by purchasing materials such as zinc sheeting and cement. She feels very good about working with Ceprodel since the loans have helped her be able to finish her home.

She says, "Thank you Ceprodel, thank you Kiva. With the small salary I earned, I have made my dreams a reality."
View original language description ↓
La Señora Zoraida es una trabajadora de la alcaldía municipal es responsable de la biblioteca, es luchadora.
Soltera madre de cuatro hijos ya todos casados.

El dinero lo solicita para mejora de vivienda para la compra de materiales como zinc y cemento. Se siente muy bien trabajar con ceprodel ya que estos créditos le han ayudado a poder terminar de hacer su casa.

"Gracias ceprodel, gracias kiva, con poco salario que ganó eh llegado a hacer realidad mis sueños"

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
  • 32
    View loans »
    Nicaragua Loans Fundraising
  • $26,398,725
    Funds lent in using Kiva
  • 25.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Zoraida to purchase construction materials such as zinc sheeting and cement.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 8, 2013
May 19, 2013
Currency Exchange Loss:
Jun 17, 2014