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José Ramón
José Ramón lives in Managua and has worked for the State as a janitor for 14 years. He is married and is responsible for 3 people. He has good moral values and is a person who strives for the wellbeing of his family.

José Ramón approached Ceprodel to ask for finance to build a one-room add-on. The loan will be used to purchase cement, cinder blocks, sand and iron and to pay for labour.

He hopes they will continue to give him a helping hand with these small loans which are a great help to the family, who really want to improve their living conditions.
View original language description ↓
El señor José Ramón vive en Managua, labora para el estado como conserje desde hace catorce años, su estado civil es casado, tiene tres personas bajo su cargo, con buenos valores morales, es una persona luchadora para el bienestar de su familia.

Don José Ramón se presento a Ceprodel para solicitar un financiamiento para la construcción de un anexo de un cuarto, este crédito será invertido en compra de cemento, bloque, arena, hierro y pago de mano de obra.

Espera que le sigan dando la mano amigable en estos pequeños créditos que tanto ayuda en el desarrollo de la familia con muchos deseos de vivir en mejores condiciones.

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
  • 38
    View loans »
    Nicaragua Loans Fundraising
  • $26,391,875
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped José Ramón to buy building materials.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
May 21, 2013
Jun 11, 2013
Currency Exchange Loss:
Oct 26, 2014