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Margarita Nohemí
Margarita Nohemí is a single mother of 4 school-aged children. She has worked as a teacher at one of the study centers in the city of León for 4 years. She starts her work at 8:00 a.m. and finishes at 5:00 p.m. from Monday through Saturday. She does this work to support her household.

Margarita asked Ceprodel for this loan to buy blocks, iron, cement, and gravel to remodel her humble house, which will allow her to improve the standard of living for her and her family.
View original language description ↓
La señora Margarita Nohemí, es madre soltera de 4 hijos de los cuales se encuentran en edad escolar, labora como Docente en una de los centros de estudio en la Ciudad de León desde hace 4 años, inicia sus labores desde las 08:00 am finalizando a las 05:00 pm de lunes a sábado, ella realiza este trabajo para llevar el sustento a su hogar.

Doña Margarita solicito este crédito a Ceprodel para la compra de bloques, hierro cemento y piedrín, para la remodelación de su humilde vivienda, lo cual le permitirá mejorar su nivel de vida junto 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
  • 59
    View loans »
    Nicaragua Loans Fundraising
  • $26,421,450
    Funds lent in using Kiva
  • 26.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Margarita Nohemí to buy blocks, iron, cement, and gravel.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jun 11, 2014
Jun 29, 2014
Currency Exchange Loss:
Oct 30, 2015