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Josefa Seneyda
Josefa’s married and an elementary school teacher by profession. She works in a local school in the zone where she lives. She needs to do some home improvements and visited Ceprodel to request a loan to do said improvements to improve her family conditions. She will use the loan to buy building supplies like bricks, cement, nails and metal sheeting.
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Josefa es una mujer casada, de profesión maestra de educación primaria, labora en un colegio de la zona donde vive, ella tiene una necesidad de mejorar su vivienda, por eso visito ceprodel para solicitar financiamiento y poder efectuar la obra deseada y de esa manera mejorar las condiciones familiares, ya que el mismo lo utilizara en la compra de materiales de construcción como ladrillo, cemento, clavos y zinc

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,768,275
    Funds lent in using Kiva
  • 25.6
    Nicaragua Cordobas (NIO) = $1 USD