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Yelba Del Carmen
Yelba del Carmen lives in the town of Managua. She has worked as a surgical technician for the ministry for 29 years. She is single and has worked for her whole life for the well-being of her children.

Yelba del Carmen saw the need for a loan and came to the Ceprodel offices to request one to put an addition on her home. She will use the loan to purchase materials such as blocks, cement, iron, gravel, sand, and pay laborers. This will allow her to improve the condition of her family home. She is making this effort only with the suport of Kiva-Ceprodel and it will help her achieve her objectives.
View original language description ↓
La señora Yelba del Carmen vive en un municipio Managua, se dedica a laborar de técnica quirúrgica, dedicándose a esta labor para el ministerio, desde hace veintinueve años, su estado civil es soltero, es una persona que toda su vida ha trabajado para el bienestar de sus hijos.

Doña Yelba Del Carmen se ve en la necesidad de un crédito por eso acudió a la oficina de Ceprodel para realizar un anexo de cuartos, esto lo invertirá en la compra de materiales como: bloque, cemento, hierro, piedrín, arena, y mano de obra, de esta manera mejorar las condiciones de su vivienda familiar, efectuando este gran esfuerzo solamente con el apoyo de kiva-ceprodel para lograr el objetivo a través de este financiamiento.

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
  • 51
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Yelba Del Carmen to purchase construction materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 7, 2013
Jun 3, 2013
Currency Exchange Loss:
Jun 17, 2014