in general, NAD is used in catabolic reactions while NADP is used in anabolic reactions. And hence, in mitochondria where respiration (a sequence of catabolic reactions) takes place, NAD is used and in chloroplasts where photosynthesis (a sequence of anabolic reactions) takes place, NADP is used.
You may follow Alberts et al. book as read in this forum, http://biology.stackexchange.com/questions/801/nadh-vs-nadph-where-is-each-one-used-and-why-that-instead-of-the-other, 'Why should there be this division of labor? The answer lies...' in http://www.ncbi.nlm.nih.gov/books/NBK26838/#A273
NADPH drives predominantly reduction reactions, such as photosynthesis which a redox reaction in which carbon dioxide is reduced and water is oxidized in the chloroplasts, while NADH is used predominantly to generate ATP during respiration in the mitochondria.
using the informations you all gave and the links from Guido Bongi, I could discuss with collegues. Cells usually keep high NAD/NADH ratio and low NADP/NADPH, in this way, high NAD and NADPH, and with this, cells can keep at the same time high oxidizing and reducing power, necessary for different and concomitant metabolic processes. Which could only be possible having not only one, but more than one electron carriers.