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Martha  Lucia
Martha Lucia is a visionary woman who is always focused on improving her standard of living. She works as the principal of a local elementary-level education centre. She organizes and directs all the staff of the centre and ensures good teaching and discipline for her students. She now needs to improve her home, so she has come to Ceprodel to request a loan for the purchase of construction materials such as iron, screws, cement, sand, and nails, and to pay the labourers. This will create better conditions for her family.
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La señora Martha Lucia es una mujer visionaria y esforzada que siempre está enfocada al mejoramiento del nivel de vida, trabaja como Directora en un centro escolar de primaria donde habita, organizando y dirigiendo a todo el personal del centro y al mismo tiempo garantizando una buena enseñanza y disciplina de sus alumnos, esta señora actualmente presenta una necesidad de mejorar su vivienda, por eso visito a ceprodel para solicitar financiamiento para utilizarlo en la compra de materiales de construcción como: Compra hierro , golosos , cemento, arena, clavos y mano de obra y de esa manera crear mejores condiciones para su familia.

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
  • 30
    View loans »
    Nicaragua Loans Fundraising
  • $26,396,925
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $1,025 helped Martha Lucia to buy iron, screws, cement, sand, and nails, and to pay the labourers.
Repayment Term
19 months (Additional Information)
Repayment Schedule
May 24, 2013
Jun 14, 2013
Currency Exchange Loss:
Jul 14, 2013