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Dios Es Amor Group
In this Group: Erika Milady, Yessenia Del Rosario, Idalia Isell, Brenda Esperanza, Bertha Del Carmen, Norma Angelica, Carla Isabel, Martha Lorena, Santa Lucia
The 'Dios es Amor' (God is Love) community bank has nine members who are all adults with families to care for. Between them they have 15 dependent children who are all in school. The members of this group are hard-working, responsible people who know each other because they are all from the same town. They decided to support each other so that they could benefit from a loan.

Bertha is the group coordinator and she is in charge of making sure people make their loan repayments on time and in full. Her business is a grocery store which is located in her home. There she sells basic household products in small quantities such as coffee sachets, shampoo sachets, rice, beans, sugar, milk, bread, soap and eggs. Her aim for this loan is to invest in working capital, stock her business with groceries, and gain more customers. The 'Dios es Amor' group are grateful for the help that Kiva lenders give to low-income people living in poor countries like Nicaragua, helping them to create jobs for themselves.
View original language description ↓
El banco comunal Dios es Amor está conformado por 9 integrantes, todos mayores de edad, con familia bajo su responsabilidad. Con 15 bajo su protección, los cuales están estudiando. Estos integrantes de este banco son personas trabajadoras, responsables, se conocen entre sí son de la misma localidad el cual decidieron apoyarse mutuamente para beneficiarse del crédito. La Sra. Bertha es la coordinadora del banco comunal la cual se encarga del cumplimiento de las cuotas en tiempo y forma ella tiene por actividad económica una pulpería ubicada en su casa de habitación. Una pulpería es una pequeña tienda que vende productos de consumo diario y en cantidades pequeñas como sobre de café, sobre de champoo, arroz, frijoles, azúcar, leche, pan, jabón, huevos. El objetivo del crédito es invertir en capital de trabajo y surtir su negocio con productos de consumo diario y obtener más clientela. El banco comunal Dios es Amor agradece la ayuda que los inversionistas kiva le brindan a personas de escasos recursos y países pobre como es Nicaragua para tener fuentes de trabajo.

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
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,415,325
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Dios Es Amor Group's $800 loan helped a member to invest in working capital and to stock her store with basic groceries such as coffee, shampoo sachets, rice, beans, sugar, milk, bread, soap and eggs.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Dec 4, 2012
Dec 20, 2012
Currency Exchange Loss:
Apr 18, 2013