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G.s. Unidas En Cristo Group
In this Group: Maria Auxiliadora, Santos Juana, Jose Ramon

Update on G.s. Unidas En Cristo Group

The "Unidas en Cristo" [United in Christ] Solidarity Group is made up of three members: two women named María and Santos, and one man named José. They are all of legal age and married with 7 adult children who are economically independent. They are originally from the Department of Leon, a place that is located in the western part of the country.

María Auciliadora is the coordinator of the group and as such is charged with making sure it functions well. For her economic activity, she owns a convenience store, and she sells pigs. The business is located in her home. She has 42 years of experience in this activity. The convenience store sells edible products for daily consumption in small quantities like: sachets of coffee, shampoo, salsas, rice, beans, sugar, milk, bread, gelatin, traditional drinks like "tiste" (a powdered beverage made of cornmeal and cocoa powder) and "pozol" (drink made from fermented corn dough), and juices. María began the business with her own effort to have a means to work and the happiness of helping out with household expenses.

The group has worked with the Foundation, demonstrating their responsibility to pay on time and in full with previous loans. María needs this financing to invest in working capital to supply her convenience store. The "Unidas en Cristo" [United in Christ] Solidarity Group is grateful for the help of Kiva lenders that offer a way for small business owners in poor countries like Nicaragua to have a dignified life.
View original language description ↓
El grupo solidario Unidas en Cristo esta conformado por tres integrantes dos mujeres y un hombre. María, José, Santos. Todos mayores de edad casada con 7 hijos adulto e independiente económicamente. Ellos son originarios del departamento de León, lugar que esta ubicado en la zona de occidente del país. María Auciliadora es la coordinadora del grupo solidario la que se encarga del buen funcionamiento del mismo. Ella tiene por actividad económica una pulpería y venta de cerdos. El negocio lo tiene ubicado en su casa de habitación tiene 42 anos de desempeñar dicha actividad. El negocio consisten en vender productos comestible de consumo diario y en cantidades pequeñas como : sobrecitos de café, sobrecitos de shapoo, sobrecitos de salsas, arroz, frijoles, azúcar, leche, pan, cuajada, tiste, pozol, jugos. Y también la venta de cerdos. El negocio lo inicio con esfuerzo propio para tener un medio de trabajo y de dicha forma ayudar con los gastos del hogar. El grupo ya ha trabajado con fundación demostrando en los créditos anteriores su responsabilidad de pago en tiempo y forma. El financiamiento lo necesita para invertir en capital de trabajo y surtir su negocio. El grupo solidario Unidas en Cristo agradece la ayuda que los inversionistas kiva le brindan a los péquenos comerciantes de países pobre como es Nicaragua para tener un medio de vida digno.

Previous Loan Details

The "Unidas en Cristo" [United in Christ] Solidarity Group is made up by Maria Auxiliadora and Factora. Both have different economic activities. Maria has been selling groceries for more than 20 years. She started at a very young age. Her business is located in her home, where many different cust... More from G.s. Unidas En Cristo Group's previous loan »

Additional Information

Fundación Leon 2000

This loan is administered by Fundación Leon 2000. Fundación Leon 2000 began operations in 1993 as the first microfinance institution to serve the western part of Nicaragua, a country which continues to be one of the poorest in the western hemisphere. Fundación Leon 2000 works to further the development of micro, small, and medium enterprises through credit services and management, applying the best credit industry practices and technical expertise. Additionally, Fundación Leon manages several business and financial education programs in the community, specifically for young entrepreneurs and at-risk youth. Fundación Leon 2000’s group of experienced and dedicated employees works in 7 offices in Leon, Chinandega, Chichigalpa, Somotillo, Jinotepe, El Sauce, and Nagarote and serves several thousand clients (the majority of whom are women).

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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
  • $25,418,800
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of G.s. Unidas En Cristo Group's $1,150 loan helped a member to invest in working capital and to supply her convenience store with products like sachets of coffee, shampoo, salsas, rice, beans, sugar, milk, bread, gelatin, traditional drinks like "tiste" and "pozol," and juices.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 30, 2012
Nov 13, 2012
Currency Exchange Loss:
Jul 18, 2013