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G/s Gracia De Dios Group
In this Group: Sandra Janeth, Nola Mercedes, Ivan Antonio, Meylin Magdalena, Sandra Del Socorro
There are five people, four women and one man, in the Gracia de Dios group. Between them they are responsible for eight children who attend primary school. They are natives of San Marco Carazo which is located in the western part of the country. All are known for being hardworking, responsible people with a great desire to get ahead in life. They like to spend their free time with their children. Sadly, because of a lack of money, they weren’t able to take any professional training courses. Now they work hard every day to provide their children with a better future.

Sandra, a hardworking and committed person, is the coordinator of the group. To earn her living she grows and sells vegetables and fruit in the local market. She spends ten hours daily walking around selling produce such as bananas, lemons, guavas, melons, and watermelons. She is seeking a loan to buy more fruit and vegetables for her business so that in the not-too-distant future she can increase her income.

The Gracia de Dios group is grateful for the help provided by Kiva donors to poor people from poor countries like Nicaragua so they can improve their work situations.
View original language description ↓
G.S Gracia de Dios está conformado por cinco integrantes cuatro mujeres y un hombre, con ocho hijos bajo su responsabilidad los cuales están estudiando en primaria. Son originarios de San marco Carazo, lugar que está ubicado en la zona de occidente del país. Se caracterizan por ser trabajadores, responsables, con ganas de superación personal. En sus ratos libre le gusta disfruta de la compañia de sus hijos. Lamentablemente por falta de recursos económico no pudieron cursar sus estudio. Y en la actualidad luchan día a día para brindarles un futuro mejor a sus hijos.
Gracias a su esfuerzo y sus ganas de salir adelante, la coordinadora es Sandra y tiene por actividad económica la venta la cosecha de verduras y frutas, la cual después comercializan de forma ambulante y en el mercado de la localidad. Ella dedica a su negocio unas 10 horas diarias ofreciendo su producto como plátanos, limones, guayabas, melones, sandias. El objetivo del crédito es invertir en capital de trabajo y surtir su negocio en la compra y venta de frutas y verduras, para que un futuro no muy lejano pueda obtener mejores ingresos. El g.s. Gracia de Dios agradece la ayuda que los inversionistas kiva les 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
  • 94
    View loans »
    Nicaragua Loans Fundraising
  • $25,011,000
    Funds lent in using Kiva
  • 25.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of G/s Gracia De Dios Group's $2,150 loan helped a member buy bananas, lemons, guavas, melons, and watermelons for her business.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 27, 2014
Mar 17, 2014
Currency Exchange Loss:
Dec 17, 2014