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Juan Ramon
Juan is a man who is worried about the safety of others; this is why he chose to work as a personal security agent. He does this at a health center in the town where he lives. He has spent 20 years in this profession, and is married with three children under his care to whom he offers all the help that they need to grow.

He is currently faced with the need to improve his home, which is why he decided to visit Ceprodel to ask for a loan to buy construction materials like rafters, sheets of zinc, doors, and windows; and to pay for transportation and labor in order to carry out the construction on his house that it so much needs, and thus improve their living conditions and standard of living.
View original language description ↓
Juan, es un señor preocupado por la seguridad de los demás, por eso por vocación escogió trabajar como agente de seguridad personal, la cual la ejerce en un centro de salud de la localidad donde habita, con 20 años de ejercer dicha profesión, es casado con tres hijo menores a su cargo, a los que les brinda todo el apoyo necesario para su desarrollo, actualmente está presentando una necesidad de Mejorar su vivienda, por lo que se decidió visitar a ceprodel para solicitar un financiamiento para la compra de materiales de construcción como; perlines, laminas de zinc, puertas, ventanas, transporte y mano de obra para realizar la construcción de su vivienda que tanto necesita y de esa manera mejorar las condiciones y nivel de vida.

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
  • $26,238,100
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $625 helped Juan Ramon to buy rafters, sheets of zinc, doors, and windows; and to pay for transportation and labor.
Repayment Term
18 months (Additional Information)
Repayment Schedule
May 31, 2013
Jun 30, 2013
Currency Exchange Loss:
Jul 30, 2013