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Paula Janet
Paula works hard as a secondary school teacher at the local school and has been working there for 18 years. She is single and responsible for two children, to whom she is offering every support so that they can complete their education.

One of the needs that Paula is experiencing is that of improving her home, so she has made the decision to approach Ceprodel to ask for a loan to buy cement, cement blocks, purlins, rebar, sheet metal roofing and pay for labor. This will enable her to improve her living conditions and standard of living.
View original language description ↓
La señora Paula se dedica arduamente a la labor de maestro de secundaria de un colegio de la localidad, con 18 años de laborar, es soltera, tiene 2 hijos a su cargo la cual le está brindando todo el apoyo para que se prepare académica mente.

Una de las necesidades que la señora Paula atraviesa, es de mejorar su vivienda Por lo que ha tomado la decisión de acudir a Ceprodel para solicitar un crédito para la compra de cemento, bloques, perlines, hierro, zinc y pago de mano de obra y 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
  • 60
    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 $600 helped Paula Janet to buy cement, cement blocks, purlins, rebar, sheet metal roofing and pay for labor.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 31, 2013
Aug 29, 2013
Currency Exchange Loss:
Sep 17, 2014