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María Del Pilar
María's an enterprising woman. She works as a caretaker in the health center in the town where she has lived with her family for 28 years. She's single and has one child. She gives him the support he needs to develop.

She needs to improve her house immediately, so she's asking CEPRODEL for financing to buy ceramic tiles, cement, sand, and caliche, and to pay for labor. This way she'll improve her living conditions and her standard of living.
View original language description ↓
La señora María es una mujer emprendedora, labora en centro de salud de la zona, donde habita con su familia desde 28 años, desempeñándose como conserje, es soltera con 1 hijo al que le brinda el apoyo necesario para su desarrollo, esta señora presenta una necesidad inmediata como es la mejora de su vivienda, por eso se acerco a ceprodel para solicitar financiamiento y utilizarlo en la compra de cerámica, cemento, bondex, caliche, arena, piedrín y pago mano de obra , 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
  • 59
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 25.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped María Del Pilar to buy construction supplies.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Jul 17, 2013
Aug 13, 2013
Currency Exchange Loss:
Aug 17, 2014