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Julio Cesar
Julio lives in the city of Managua and has worked in a shopping centre in the capital for 6 years as a hygienist.

Julio is asking for a loan to buy building materials like zinc, perlin to change the roof of his house, which has deteriorated somewhat.

He is also grateful because thanks to the loans awarded to him by Kiva and Ceprodel he has been able to continue building his house to give greater security to his family.
View original language description ↓
El señor julio vive en la cuidad de Managua trabaja en un centro de compra de la capital desde hace 6 años como higienistas.
Julio solicita un crédito para la compra de materiales de construcción como zinc, perlin para hacer el cambio de techo a su vivienda que está un poco deteriorado
Y a la vez se siente muy agradecido porque gracias a los crédito otorgado por kiva y ceprodel ha venido contrayendo su casa para darles mayor seguridad a su familia

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
  • 63
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $725 helped Julio Cesar buying construction materials like bricks, sand and cement.
Repayment Term
18 months (Additional Information)
Repayment Schedule
Sep 17, 2013
Sep 30, 2013
Currency Exchange Loss:
Oct 30, 2013