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Emma Esperanza

Update on Emma Esperanza

Emma has worked for a public school for 6 years, giving classes to children between 10-12 years old. She currently needs this loan in order to purchase construction materials like zinc, cement, bricks and perlin beams. Her house has been effected by the recent earthquakes in April. But she thanks Ceprodel for the support given her in order to finance this loan so she can repair her home and give better living conditions to her children.
View original language description ↓
La Emma trabaja para una escuela publica desde hace 6 años impartiendo clase como profesora a niños entre las edades de 10 - 12 años, actualmente este credito lo requiere para la compra de materiales de construccion como zinc, cemento, ladrillos y perlines, ya que fue afectada su casa de habitacion con los temblores que en el mes de abril 2014 ocurrieron, agradece a ceprodel por el apoyo brindado al facilitarle este credito con lo podra mejorar su casa y darle mejores condiciones de vida a sus hijos.

Previous Loan Details

Emma has been working for a state primary school as a teacher for more than five years, with students that are between six and eight. She wants to thank CEPRODEL for the loan they granted her to pay for the processing of her university title as a professor. More from Emma Esperanza's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Nicaragua

  • $4,800
    Average annual income
  • 70
    View loans »
    Nicaragua Loans Fundraising
  • $25,757,700
    Funds lent in using Kiva
  • 27.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Emma Esperanza purchase construction materials.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Apr 25, 2014
May 15, 2014
Currency Exchange Loss:
Feb 3, 2016
This photo was used before for a previous loan for Emma Esperanza. It was first posted on Kiva on Jun, 2013. Learn More