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Dios Con Nosotros. Group
In this Group: Maria Mercedes, Rosa Andrea , Bernarda Gregoria, Mariana, Bernardo Jose, Juana Silvia, Mariana Virginia, Nery Amelia, Rodolfo
Dios con Nosotros Communal Bank is made up of nine members, seven women and two men, fathers and mothers who have 20 children in their care. They're from Malpaisillo, located in the western part of the country.

These members are responsible and hardworking people with a desire for personal self-improvement. Unfortunately none of them were able to pursue a university education due to lack of financial resources. They had to work from a young age so they could help with the household expenses. This is why they want a better future for their children.

The coordinator of Dios con Nosotros Bank is Rosa Andrea, whose job is selling pastries and pies, which she does with great pleasure because it has been her way of life and that of her children. Her work routine is to sell her pastries and pies on foot some 10 hours a day with a basket on her head that weighs about 10 kilograms.

The goal of this loan is to invest in working capital and stock her business buying and selling products such as rice pies and meat, cheese, and other pastries, so she can have better income in the near future.

Dios con Nosotros Communal Bank is grateful for the help that Kiva lenders give to low-income people and poor countries such as Nicaragua so they have a decent means of work.
View original language description ↓
El banco comunal Dios con nosotros, está conformado por 9 integrantes, siete mujeres dos hombres, padres y madres de familias con 20 hijos bajo su responsabilidad. Son originarios de Malpaisillo, lugar que está ubicado en la zona de occidente del país. Estos integrantes son personas, responsables, trabajadoras, con ganas de superación responsable. Lamentablemente ninguna pudo cursar una carrera universitaria, por falta de recursos económicos. Desde muy joven tuvieron que trabajara para ayudar a los gastos del hogar. Por lo cual desean brindarle un futuro mejor para sus hijos.
La coordinadora del banco Dios con nosotros es Rosa Andrea, tiene por actividad económica la venta de pasteles y empanadas, actividad que la desempeña con mucho gusto, porque ha sido la forma de vida y la de sus hijos. La rutina de trabajo de esta mujer es vender de forma ambulante, unas 10 horas diarias con un canasto en su cabeza de unos 10 kg ofreciendo sus pasteles y sus empanadas. El objetivo del crédito es invertir en capital de trabajo y surtir su negocio en la compra y venta del producto como pasteles de carne, de pilla, de quesos, empanadas de arroz. Para que en un futuro no muy lejano obtener mejores ingresos. El banco comunal Dios con nosotros agradece la ayuda que los inversionistas kiva le brindan a personas de escasos recursos y países pobre como es Nicaragua para tener un medio de trabajo digno.

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).

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
  • 106
    View loans »
    Nicaragua Loans Fundraising
  • $24,828,400
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Dios Con Nosotros. Group's $1,450 loan helped a member to buy and sell rice pies and meat, cheese, and other pastries.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Feb 22, 2013
Feb 25, 2013
Currency Exchange Loss:
Jul 18, 2013