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Por La Gracia De Dios Group
In this Group: Yadira Elizabeth, Maria Mercedes , Mariana De Los Angeles
This group is made up of 3 entrepreneurs. One of them is María Mercedes who is 40 years old, married, with a son who has had a grocery store for the past 7 years. She also has a business since she still has a daughter who depends on her. She will use the loan to buy grains such as rice, beans, sugar, oil, pork, chicken, oatmeal, soups, magi sauce, canned goods, dairy products such as sour cream, milk, etc. Yadira sells merchandise such as clothing, shoes, cosmetics, and Mariana sells fried food at night from her home.
View original language description ↓
Grupo formado por tres socias emprendedoras una de ellas es María Mercedes mujer de 40 años de edad, casada con un hijo quien tiene un negocio de una pulpería desde hace 7 años, ella misma atiende su negocio ya que su hija es menor de edad, el crédito lo invertirá en la compra de granos básicos como arroz, frijoles, azúcar, aceite, carne de res, carnes de pollo, avena, sopas magi, embutidos, productos lácteos como crema acida, leche en bolsa etc. Yadira vende mercadería en general como ropa, calzado, cosmético y Mariana vende fritanga por las noches en su domicilio.

Additional Information

About ADIM

Located in Central America, ADIM is a small microfinance institution with a strong social focus. In the saturated microfinance market of Nicaragua, ADIM stands out for its emphasis on the holistic development of women as well as its provision of responsible financial services. Founded in 1989 by a small group of Nicaraguan women, this institution has remained true to its initial goal of providing its clients (90% of which are women) with an opportunity for economic growth, in addition to personal and professional empowerment. Supporting an ADIM borrower means contributing not only to the continued offering of the socially conscious services it provides, but also to the sustainable growth of a truly unique microfinance institution.

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
  • 61
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Por La Gracia De Dios Group's $1,425 loan helped a member buy grains such as rice, beans, sugar, oil, pork, chicken.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Oct 18, 2012
Dec 1, 2012
Currency Exchange Loss:
Jul 17, 2013