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El Granito Group
In this Group: Johana Cruz, Denis Francisco, Agustin Tercero
The Granito (Little Grain) group is newly formed. Its members are: Johana Cruz M., Denis Francisco García and Agustín Tercero T.. Mrs. M., 42, is group leader. She has sold dairy products like, cuajada (a cottage cheese-like cheese), cheese, milk and cream since 2005; she brings the merchandise from the north of the country.

She started out selling just a few products but today she sells between 500 and 600 cuajadas per week because she distributes them along several aisles in the market. She states that this is possible thanks to the help she gets from her family since her husband and children work shoulder to shoulder with her.

The other group members are: Denis Francisco García who has sold basic grains for the past 8 years and Agustín Tercero T. who sells clothing, especially socks, underwear, shorts, t-shirts, etc.
View original language description ↓
El grupo Granito es un nuevo grupo conformado por Johana Cruz M., Denis Francisco García y Agustín Tercero T.. La coordinadora del grupo es la señora M. de 42 años quien desde el 2005 se dedica a la venta de productos lácteos como cuajadas, queso, leche, crema los cuales trae del norte del país.

Ella inicio con la venta de pocos productos actualmente vende ente 500 a 600 cuajadas semanales ya que distribuye a distintos tramos del mercado. Mendosa asegura que esto es gracias al apoyo familiar que tiene ya que su esposo e hijos trabajan hombro a hombro junto con ella.

Los otros integrantes del grupo son Denis Francisco García quien desde hace 8 años vende granos básicos y Agustín Tercero T. se dedica al comercio de ropa en especial calcetas, calzonetas, chores, camisetas etc.

Additional Information

About ADIM

Located in Central America, ADIM is a small microfinance institution with a strong social focus. In the saturated microfinance market of Nicaragua, ADIM stands out for its emphasis on the holistic development of women as well as its provision of responsible financial services. Founded in 1989 by a small group of Nicaraguan women, this institution has remained true to its initial goal of providing its clients (90% of which are women) with an opportunity for economic growth, in addition to personal and professional empowerment. Supporting an ADIM borrower means contributing not only to the continued offering of the socially conscious services it provides, but also to the sustainable growth of a truly unique microfinance institution.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Nicaragua

  • $4,800
    Average annual income
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,407,250
    Funds lent in using Kiva
  • 21.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of El Granito Group's $675 loan helped a member to buy assorted dairy products.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jun 21, 2010
Jun 22, 2010
Currency Exchange Loss:
Nov 15, 2010