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G.s. Rios De Agua Viva Group
In this Group: Elsa Gioconda, Martha Maria, Margarita Del Carmen
The Ríos de Agua [River of Waters] Solidarity Group consists of three women who are the mothers of seven children. The members are from Nagarote in western Nicaragua, an area known for its typical cuisines, such as quesillos (cheese-filled tortillas). These three women are hardworking and trustworthy, with a strong desire to succeed. Unfortunately, a lack of financial resources meant that they could not pursue an education, so the members had to work to support their households. They are currently striving to provide their children a better future.

Elsa is the group's coordinator, thanks to her efforts and ambitions to improve her life. She runs a small grocery store that sells small amounts of foods and other goods: sugar, milk bread, eggs, matches, ice cream, tiste, cuaja [a local cheese], cream, oil, cigarettes, juices, and sodas. Elsa works at the store 12 hours a day, every day. The purpose of this loan is to invest in working capital and purchase foods and other goods for the business, which will boost income in the short term. The members of the Ríos de Agua Solidarity Group are grateful for the help that Kiva lenders provide to those with few financial resources and to poor countries such as Nicaragua so that people there can earn a decent living.
View original language description ↓

El g.s. Ríos de Agua está conformado por tres mujeres, madres responsables de siete hijos, son originaria de Nagarote, lugar que está ubicado en la zona de occidente del país, Nagarote se caracteriza por su comida típica como el quesillos. Este se grupo son personas, trabajadoras, responsables, con ganas de superación personal. Lamentablemente por falta de recursos económico no pudieron estudiar una carrera, y se vieron obligadas a trabajar para ayudar con los gasto de su hogar. En la actualidad lucha para brindarles un futuro mejor a sus hijos.
Gracia a sus esfuerzo y sus ganas de salir adelante la coordinadora es Elsa y tiene por actividad económica una pulpería, que es una pequeña tienda que vende productos comestibles en cantidades pequeñas como azúcar, leche, pan, huevos, fósforos, hielos, tiste, cuajas, crema, aceite, cigarrillos, jugos, gaseosas. Ella dedica a su negocio unas 12 horas diarias. El objetivo del crédito es invertir en capital de trabajo y surtir su negocio para que en un futuro no muy lejano pueda obtener mejores ingresos. El g.s. Ríos de Agua Viva agradece la ayuda que los inversionistas kiva le brinda 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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of G.s. Rios De Agua Viva Group's $975 loan helped a member to invest in working capital and purchase foods and other goods for her business: rice, beans, sugar, milk, bread, eggs, detergent, soap, juice, sodas, matches, and tiste [a sweet regional drink].
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 22, 2013
Nov 14, 2013
Currency Exchange Loss:
Aug 17, 2014