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Marcia María
Marcia's a woman who strives. She teaches elementary school in a school in the area. She's married and has two adult children.

One thing Marcia currently needs is to improve the conditions in her house. It's in bad shape so she decided to go to CEPRODEL to request a loan to buy construction materials such as cinder blocks, rebar, cement, and metal sheets, and to pay for labor.

It's important to highlight that this work will give her family a better life.
View original language description ↓
La señora Marcia es una mujer luchadora, de profesión docente de educación primaria de un colegio de una comunidad de la localidad, es casada con 2 hijos mayores de edad,
Una de las necesidades que la señora Marcia atraviesa hoy en día, es de mejorar sus condiciones en su vivienda ya que se encuentra en mal estado, por lo que ha tomado la decisión de acudir a ceprodel para solicitar un crédito para la compra de materiales de construcción tales como: bloques, hierro, cemento, zinc y pago de mano de obra la que le brindara mejores condiciones en su hogar Es importante destacar que por medio de la realización de esta obra le proporcionara a su familia mejor 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
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,792,450
    Funds lent in using Kiva
  • 25.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Marcia María to buy construction materials and to pay for labor.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 16, 2013
Aug 10, 2013
Currency Exchange Loss:
Aug 17, 2014