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José Daniel
José Daniel comes from Granada, but due to circumstances in life he lives in Managua. He has been working as a security guard for a private university for the past five years. He's married, and he's a responsible person with three children under his responsibility. He's a person who works hard alongside his wife.

José Daniel turned to Ceprodel in order to request a loan for building a wall which is currently in bad condition. This loan will be used to purchase bricks, cement, sand and iron, and to pay for labor.

He estimates that by year's end his house will be improved, but for that he needs Ceprodel and Kiva to provide him with this type of loan. At the moment he only has his health, his ability to work and his integrity.
View original language description ↓
José Daniel es originario de Granada pero por cosa de la vida actualmente vive en Managua, labora en una Universidad privada, desempeñándose como agente de seguridad desde hace cinco años, su estado civil es casado, es una persona responsable con tres hijos bajo su cargo, es una persona que lucha junto a su esposa.

José Daniel se presento a Ceprodel para solicitar un crédito para la construcción de una pared que se encuentra en mal estado, este financiamiento será invertido en compra de bloque, cemento, arena, hierro y pago de mano de obra.

Estima que a fines de año su vivienda estará mejor, pero para entonces necesita que Ceprodel y Kiva le brinden este tipo de crédito, de momento solo cuenta con su buena salud, su capacidad de trabajo, y su honradez.

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
  • $26,258,500
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped José Daniel to purchase construction supplies.
100% repaid
Repayment Term
28 months (Additional Information)
Repayment Schedule
May 21, 2013
Jun 11, 2013
Currency Exchange Loss:
Aug 17, 2014