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Mayra Cristina
Mayra is 36 years old. She has two children who are school-aged. Her partner is a laborer. She works in a community called the Tololar. She has worked for a state institution for 10 years where she works as a janitor. She is assigned a specific area to keep it in immaculate condition. She told us that before she worked this job at City Hall, she studied in high school and worked as a housemaid until she had to support her children. Because of their scare economic resources, she has turned to loans and has used them in helpful ways. They have enabled her to make improvements to her home and also to pay her mother's medical expenses to cover a surgery and medicines. Mayra aims to finish her house with the help of loans. She wants to improve the quality of life of herself and her children.
View original language description ↓
La señora Mayra tiene la edad de 36 años, tiene 2 hijos los cuales estan en edad escolar, esta con su compañero de vida el cual es obrero, ella habita en una comunidad llamada el Tololar. Mayra labora para una institucion del estado desde hace 10 años, en donde se desempeña como conserje, la cual tiene asignada una area en especifico para mantenerla impecable. Nos comento que antes de trabajar en la Alcaldia estudiaba su secundaria y a la vez laboraba como empleada domestica, ya que tenia que mantener a sus hijos. Debido a sus escasos recursos ella a recurrido a los creditos y que a su vez han sido de gran ayuda, ya que le han permitido realizar mejoras en su casa de habitacion, tambien le han servido para los gastos medicos de su mama ya que le realizaron una cirujia y para comprarle sus medicinas.
Mayra tiene como meta terminar su casa siempre con la ayuda de los creditos y de esta forma mejorar su calidad de vida y la de sus hijos.

Additional Information

More information about this loan

This loan is part of CEPRODEL's program to lend to individuals who suffer from work-related health problems.  These individuals are frequently rejected for loans by microfinance institutions due to poor health and low income. CEPRODEL is offering loans to these clients and their families for a range of purposes, including working capital to help them start or grow small businesses. For borrowers starting new businesses, CEPRODEL waives its requirement that recipients have over one year of experience in the field. Given the relatively higher risk of lending to these borrowers, CEPRODEL would not be able to offer these loans without the flexible, risk-tolerant capital provided by Kiva lenders.

Please note that the faces of CEPRODEL borrowers may be blurred in an effort to avoid safety risks and to maintain their privacy.


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 Nicaragua

  • $4,800
    Average annual income
  • 55
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 25.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Mayra Cristina to pay for medicine and medical appointments.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 10, 2014
Mar 25, 2014
Currency Exchange Loss:
Mar 17, 2015