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Ermelinda Del Carmen
Ermelinda del Carmen lives in the municipality of Condega located about 35 kilometers north of the city of Estelí. She’s an auxiliary nurse and single mother of two daughters who are university students. She pays for their schooling costs with her own effort. She has resided in a house of her own for about 14 years.

Ermelinda del Carmen is a professional nurse employed by the Ministry of Health. She’s been doing this hard work daily for 23 years non-stop since it’s her only source of income for family support.

She came by the Ceprodel offices to request a loan to build one of the bathrooms at home from the project that Ceprodel in conjunction with the city of Condega is carrying out to provide sanitary water and better health conditions to Condega’s residents.

She’s very positive and hopes that the loan will be approved so that she can be improving her house’s conditions and thus her and her daughters’ living conditions with the acquisition of a bathroom and improved sanitary services. She states that she needs this loan because her monthly income is insufficient for her to take on the entire cost of this investment on her own.
View original language description ↓
La señora Ermenlinda del Carmen es una habitante del Municipio de Condega, ubicado a unos 35 km al norte de la Ciudad de esteli, ella es enfermera auxiliar y madre soltera con 2 hijas estudiantas de universidad a quienes ella costea los gastos universitarios con esferzo porpio, ella reside e su propia casa desde hace aproximadamente unos 14 años.

La señora ermelinda del carmen es una enfermera profesional que labora para el ministerio de la salud, ella tiene 23 años continuos de desempeñar esta ardua labor a diario ya que este es su unico ingreso para sustentar sus gastos familiares.
Esta clienta se presento a las oficinas de Ceprodel con el objetivo de solicitau un financiamiento para la construir en su casa de habitacion un servicio sanitario de los que Ceprodel en conjunto con la alcaldia de Condega lleva a nivel de proyecto y con vision de saniamientos de aguas y mejoramiento de las condiciones salubres de la poblacion de condega. ella se muestra positiva y tiene la esperanza que le sera aprobado este credito y de esta manera ella podra ir mejorando las condiciones de su casa y por ende mejorar las condciones de vida de ella y sus hijas, cuando ya cuente un su bano y servicio sanitario mejorado, ella argumenta que necesita este financiamiento ya que sus ingresos mensaules no son suficiente como para poder asumir porcuenta propia todos los costos de la inversion.

Additional Information

More information about this loan

This loan is part of CEPRODEL's initiative to expand access to sanitation facilities. Working with the World Bank and local governments, CEPRODEL offers these loans to help clients buy environmentally-responsible toilets, sinks, and shower/bath systems. Eligible recipients include clients and families who live in very poor regions of Nicaragua, lack access to water, or are employed making handicrafts or as roving salespeople. Along with these loans, clients receive environmental education training from the World Bank to better understand how plumbing interacts with the local ecosystem. By supporting this loan, you are making a difference in a country where 48% of the population lacks access to proper sanitation.


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
  • 44
    View loans »
    Nicaragua Loans Fundraising
  • $26,295,350
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Ermelinda Del Carmen to buy building supplies and to pay labor costs.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Aug 28, 2013
Sep 13, 2013
Currency Exchange Loss:
Feb 3, 2016