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G.s A.m.s Group
In this Group: Heidy Maria, Gema Margarita, Margine De Los Angeles
GSAMS is made up of three single mothers who have seven children they are responsible for. They are native to Nagarote, located in the western part of the country.

These women are characterized by being hard-working, responsible and wanting to get ahead. Sadly, due to a lack of resources, they weren't able to study a career, which has forced them to work from a young age.

Currently, their biggest dream is to be able to work and improve the lives of their young children, giving them a better future and struggling for them to become professionals.

Thanks to her effort and desire to succeed, the coordinator of the G.S. is Heidi. Her job is selling cosmetics, such as blush, lipstick, eyeliner, makeup remover, anti-dark circles, moisturizers, perfumes and body.

She works at her business for eight hours every day, offering her products by walking, and in her house. The goal of the loan is to invest in capital and stock her business for the buying and selling of cosmetics so she can earn better income in the near future.

The GSAMS group is grateful for the assistance Kiva investors provide to poor people and poor countries like Nicaragua to have a decent working environment.
View original language description ↓
El G.S A.M.S está conformado por tres integrantes madres solteras, con siete hijos bajo su responsabilidad. Originarias de Nagarote, lugar que está ubicado en la zona de occidente del país. Estas mujeres se caracterizan por ser trabajadoras, responsables, con ganas de salir adelante. Lamentablemente por falta de recursos económicos no pudieron estudiar una carrera, la cual las obligo a trabajar desde temprana edad. En la actualidad sus sueños más deseados es poder trabajar y sacar adelante a sus pequeños hijos y brindarles un futuro mejor y luchar porque sean profesionales.

Gracias a su esfuerzo y sus ganas de salir adelante la coordinadora del g.s es Heidy y tiene por actividad económica la venta de cosméticos como rubor, labiales, lápiz de ojos, desmaquilladoras, anti ojeras, cremas hidratantes, perfumes, body. Ella dedica a su negocio unas 8 horas diarias, ofreciendo su producto de forma ambulante, y en su casa de habitación. El objetivo del crédito es invertir en capital de trabajo y surtir su negocio en la compra y venta de cosméticos, para que en un futuro no muy lejano pueda obtener mejores ingresos. El g.s A.M.S 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
  • 67
    View loans »
    Nicaragua Loans Fundraising
  • $25,101,575
    Funds lent in using Kiva
  • 25.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of G.s A.m.s Group's $875 loan helped a member to invest in capital and stock her business in the purchase and sale of cosmetics such as blush, lipstick, eyeliner, makeup remover, anti-dark circles, moisturizers, perfumes and body.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 3, 2013
Nov 2, 2013
Currency Exchange Loss:
Mar 17, 2014