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Jose Nicolas

Update on Jose Nicolas

Jose Nicolas has worked at the public health center for the past 18 years as a driver.

He is requesting this loan to buy construction materials such as cement, bricks and labor.

The walls of the bedrooms were partially damaged from the April 2014 earthquake.

He is grateful to Ceprodel for giving him the support needed to receive a loan.
View original language description ↓
El Sr. Jose Nicolas trabaja para el centro de salud publico desde hace 18 años como conductor, este credito lo requiere para comprar material de construccion como cemento, ladrillos y mano de obra ya que salio afectada con los terremotos ocurridos en abril del 2014 con daño parcial en las paredes de los dormitorio, agradece a ceprodel por haberle brindado el apoyo por medio el credito otorgado.

Previous Loan Details

Jose works at a public health center as an ambulance driver. He has been in this job for more than 15 years. He needs this loan to buy building materials with which to repair the roof of his house. He will buy metal sheeting, wood, nails and other materials. His house experiences problems wit... More from Jose Nicolas'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
  • 50
    View loans »
    Nicaragua Loans Fundraising
  • $26,293,200
    Funds lent in using Kiva
  • 25.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Jose Nicolas to buy cement, bricks and other materials.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
May 30, 2014
Jun 15, 2014
Currency Exchange Loss:
Feb 3, 2016
This photo was used before for a previous loan for Jose Nicolas. It was first posted on Kiva on Jun, 2013. Learn More