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Nemesia Isabel
Nemesia is married. She's an elementary school teacher in the community where she lives, giving the gift of knowledge to a lot of children over the generations.

Her nuclear family is made up of three children, whom she supports. Nemesia's main need is to improve her home, so she went to CEPRODEL to request a loan to achieve her goal.

She'll use the loan to buy construction supplies such as sheets of metal, sand, cement, and decorated cinderblocks, and to pay for hauling and labor. Once the work is done she'll have better living conditions and a better standard of living.
View original language description ↓
La señora Nemesia es acompañada, maestra de educación primaria, la cual imparte clases en la comunidad donde habita enseñándole el pan del saber a muchos niños de su comunidad por generaciones, su núcleo familia está compuesto por 3 hijos a los que tiene el deber de mantenerlos, la necesidad principal que la señora nemesia tiene es la de mejorar su vivienda la que amerita tal inversión, por tal razón visito a ceprodel para solicitar un financiamiento y de esa manera logar el objetivo, este será utilizado para la compra de materiales de construcción como: Zinc, arena, cemento, bloques decorados, acarreo y pago de mano de obra. La que le brindara mejores condiciones y nivel de vida, una vez efectuada la obra.

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
  • 66
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 25.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Nemesia Isabel to buy construction supplies and to pay for hauling and labor.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jul 31, 2013
Aug 15, 2013
Currency Exchange Loss:
Aug 17, 2014