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Ramón Antonio
Ramón is a married man with no children. He is a secondary school teacher, and he has 15 years of experience in this work. He is facing the need to construct a room, for which reason he has presented himself to Ceprodel to apply for his first loan, which he will use to buy construction materials such as zinc sheets, purlins, cement, gravel, sand, and blocks and pay for labor. The new room will make his house more comfortable.
View original language description ↓
Ramón es un señor, casado, no tiene hijos, de profesión Maestro de Educación Secundaria y la cual tiene 15 años de desempeñarse en dicha labor.
Este señor está presentando la necesidad de construir un cuarto, por tal motivo se presento a ceprodel para solicitar su primer financiamiento y lo utilizara para la compra de materiales de construcción como zinc, perlines, cemento, piedrín, arena, bloques y pago de mano de obra lo que vendrá a dar comodidad a su hogar..

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
  • 51
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Ramón Antonio to purchase construction materials such as sheets of zinc, purlins, cement, gravel, sand, and blocks and pay for labor.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Oct 28, 2013
Nov 20, 2013
Currency Exchange Loss:
Mar 17, 2015