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Vilma Lorena
Vilma works as an elementary school teacher in a school in her neighborhood. She has 28 years’ experience in education. She’s married with three children who she provides with all necessary support for their development.

She needs to repair her house, specifically to improve the walls. She will use this loan to buy building supplies like cement, bricks, iron rods and to pay labor costs to improve her standard of living.
View original language description ↓
Vilma se desempeña como maestra de educación primaria de un colegio de la localidad donde vive con 28 años de laborar en el ,ramo de la educación, es casada con 3 hijos a los que le brinda todo el apoyo para su desarrollo, esta señora presenta una necesidad de reparar su vivienda lo que se refiere a la mejora de pared, ya que dicho crédito lo utilizara en la compra de materiales de construcción como; cemento, ladrillo, hierro y mano de obra, para mejorar los niveles 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
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,295,350
    Funds lent in using Kiva
  • 25.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Vilma Lorena to buy building supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Oct 11, 2013
Currency Exchange Loss:
Oct 26, 2014