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Por La Gracias De Dios Group
In this Group: María Mercedes, Johana Isabel, Yadira Elizabeth
The “Por la Gracia de Dios” (By the Grace of God) group is comprised of three hard-working and dedicated women. Jojana Isabel C. M. is one of them. She has been selling snacks, corn on the cob, and food for seven years. She works with her daughter, her mother, and her husband; they help her.

María Mercedes R. is another member of the group. She has been selling for five years. Yadira Elisabeth Cortes M., the other member of the group, sells clothes.
View original language description ↓
El grupo Por la Gracia a Dios está con formado por tres mujeres trabajadoras y esforzadas una de ellas es Jojana Isabel C. M. vende chiverías, elotes y comida desde hace 7 años. Ella trabaja junto a su hija, mamá y marido los cuales le ayudan.

Las otras integrantes del grupo son María Mercedes R. vende desde hace cinco años y Yadira Elisabeth Cortes M. quien vende 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
  • 76
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 21.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Por La Gracias De Dios Group's $725 loan helped a member basic grains, meat, corn on the cob, and snacks, etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Sep 11, 2010
Sep 19, 2010
Currency Exchange Loss:
Feb 15, 2011