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Iván José
Iván José lives in the city of Managua. He works as a toll collector at a shopping center in the capital. Iván lives in a modest house with his wife and three young children.

Sr. Iván is requesting a loan from CEPRODEL so that he can invest in construction materials, such as zinc and crossbeams, in order to repair the roof of his house which is in bad condition. He needs to complete this renovation so that his family can be comfortable during the rainy season when water could potentially infiltrate their home.

Iván has placed his trust in God and Kiva that he will be able to make the necessary changes to his house.
View original language description ↓
Iván José vive en la cuidad de Managua trabaja como colector de impuestos en un centro de compra de la capital.
Vive en una humilde vivienda con su esposa y sus tres pequeños hijos.
El señor Iván está solicitando un crédito a ceprodel para la inversión de materiales de construcción como es zinc y perlines ya que el techo de su vivienda está en mal estado y necesita hacerle el cambio para brindarle comodidad a su familia ya que cuando estamos en tiempo de invierno el agua de lluvia se le filtra al interior de su vivienda
Y confiando en dios y kiva va a poder hacer los cambios necesarios a su casa.

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
  • 43
    View loans »
    Nicaragua Loans Fundraising
  • $26,238,100
    Funds lent in using Kiva
  • 25.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Iván José to buy construction materials for replacing the roof of his house.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Feb 13, 2014
Mar 4, 2014
Currency Exchange Loss:
Feb 3, 2016