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Por La Gracia De Dios Group
In this Group: María Mercedes , María Del Carmen , Ileana Angelica
Johana Isabel Cortez Morales, María Mercedes R. García, and Yadira Elizabeth Cortez Morales are three cheerful, enterprising, and hard-working women. They comprise the Por la Gracia de Dios (By the Grace of God) group.

Mrs. Cortez Morales is the coordinator of the group. She says that she sells a little bit of everything from “pupusas” (flatbread stuffed with meat, cheese, or vegetables) to beans, cigarettes, sweets, and yogurt.

She started this type of work at a young age because she helped her mother sell. She said with laughter that her dream is to be a millionaire.

One of her colleagues in the group is María R. García. She has had a small mini market for six years. Their other colleague, Jadira Elizabeth Cortez Morales, sells cloths.
View original language description ↓
Johana Isabel Cortez Morales, María Mercedes R. García y Yadira Elizabeth Cortez Morales tres mujeres joviales, emprendedoras y esforzadas quienes conforman el grupo Por la Gracia de Dios. La coordinadora del grupo es la señora Cortez Morales se dedica a comercializar de todo un poco desde pupusas, elotes, cigarro, dulces, chiverías según comento.

Ella desde temprana edad se dedica a este tipo de comercio ya que ella le ayudaba a su madre a comercializar. El sueño de ella es ser millonaria eso dijo entre risas.

Sus compañeros de grupo son María Mercedes R. García tiene una pequeña pulpería desde hace seis años y Jadira Elizabeth Cortez Morales se dedica al comercio de ropa.

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
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,420,300
    Funds lent in using Kiva
  • 21.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Por La Gracia De Dios Group's $425 loan helped a member various products.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Jun 23, 2010
Jun 25, 2010
Currency Exchange Loss:
Oct 15, 2010