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Yalmar  Enrique
Yalmar Enrique is an agronomist who lives in the city of Condega, some 35km north of the city of Esteli. This young man is happily married and lives with his wife and their little daughter. He works in a State institution as an agricultural technician in the field of training women in agricultural production in the municipality of Condega. He works from 7am to 4pm, Monday to Friday.

Yalmar Enrique visited the Ceprodel offices to make a formal request to apply for the water and drainage project which Ceprodel is carrying out jointly with the town hall. This consists of building sanitation facilities with the aim of improving the public health of the locals. Yalmar Enrique is interested in this project and hopes that the loan he is asking for will be approved so he can provide better conditions for his family. His salary is insufficient for him to cover the costs on his own.
View original language description ↓
El joven Yalmar Enrique es un ingeniero agrononomo que vive en la Ciudad de Condega, a unos 35 km al norte de la Ciudad de esteli, este joven esta felismente casado y vive junto a su esposa y su hija que esta en edad infantil.
Este joven trabaja en una intitucion estatal y se desempeña como tecnico de campo en el area de capacitacion a mujeres productoras agropecuarias en el municipio de condega, trabajando de lunes a viernes desde las 7 am a las 4 pm.
este joven se presento a las oficinas de ceprodel con el objetivo de hacer una formal solicitud para aplicar al proyecto de agua y saneamiento que Ceprodel y la alcaldia de Condega llevan en conjunto que consiste en la contruccion de servicios sanitarios con el objetico de mejorar la salubridad de los pobladores. el se muestra interesado en dicho proyecto y espera que el financieminto que solocita para este le sea aprobado y de esta manera darles una mejor condicion de salud a su familia, ya que el salario que este joven tiene no le es lo suficiento como para poder sumir el por cuenta propia los gasto.

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
  • 56
    View loans »
    Nicaragua Loans Fundraising
  • $26,430,500
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Yalmar Enrique to buy materials to build a bathroom.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 9, 2013
Sep 24, 2013
Currency Exchange Loss:
Nov 17, 2014