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Felicita Ramona
Felicita is an entrepreneurial woman. Aside from teaching elementary school, she also runs a small business in her home as another source of income. She is currently the subdirector of a rural school district. She has worked for the ministry of education for 28 years in the zone where she lives. She is single and does not have children.

She needs to improve the security of her home, so she visited Ceprodel to request a loan, which she will use to purchase construction materials like: 3/8 iron, 1/4 iron, stone, cement, sand, nails, and zinc, and to pay for transportation and laborers. This will be used to build fences and improve her home's porch, which will provide better living conditions for her family.
View original language description ↓
Felicita es una señora emprendedora, además de ser maestra de educación primaria también ejerce un pequeño negocio en su casa de habitación como otra fuente de ingreso, actualmente es subdirectora de un núcleo educativo rural con 28 años de laborar para el ministerio de educación de la zona donde vive, soltera sin ningún hijo, esta señora tiene una necesidad de darle mejor seguridad a su vivienda por eso visito a ceprodel para solicitar un financiamiento el que utilizaría en la compra de materiales de construcción como: hierro3/8, hierro ¼, piedrín, cemento, arena, clavos, zinc, transporte y mano de obra, para la construcción de verjas y mejorar el porche de su casa el que le vendrá a dar mejores condiciones de vida a su familia.

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
  • 74
    View loans »
    Nicaragua Loans Fundraising
  • $25,787,975
    Funds lent in using Kiva
  • 27.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Felicita Ramona to purchase 3/8 iron, 1/4 iron, stone, sand, nails, and zinc, and to pay for transportation and laborers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 9, 2014
May 20, 2014
Currency Exchange Loss:
Jul 8, 2015