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Cyber Sau Group
In this Group: Amalia, Aura, Betty, Conny, Emita*, Ines, Jamileth, Maria Azucena, Odely, Rolando, Saraina
* not pictured
Saraina is a hardworking and a fighter. She's a native of Waspam and is 50 years old and married with seven children.

She has over two decades of experience being a teacher. She's the coordinator of the Cyber Sau communal bank, made up of 10 entrepreneurial women and one struggling man, all who joined three years ago.

9 members are requesting funding in order to buy nails, zinc, sawn and planed lumber, and to cover labor costs, to improve their quality of life and that of their family and live in a secure and dignified manner through improving their wood homes.

Two of the members, Inés y María Azucena, are seeking financing to buy merchandise for their business: used clothing and a grocery store, respectively - to increase their product inventories. The dream of all of the 11 members is to have a house with adequate conditions for their families and support the professional development of their children.
View original language description ↓
Saraina: Es una mujer, trabajadora, luchadora, originaria de Waspam, tiene 50 años de edad, casada tiene 7 hijos. Cuenta con una experiencia de más de dos décadas de ser docente. Es la coordinadora del banco comunal Cyber Sau, integrado por 10 mujeres emprendedoras y un hombre luchador, que lo conformaron hace 3 años. 9 integrantes solicitan financiamiento para mejorar su calidad de vida y la de su familia, vivir de manera segura y digna a través de ir mejorando sus viviendas de tambo de madera, comprar materiales de construcción, clavos, zinc, madera rustica y cepillada, cubrir costos de mano de obra y dos de las integrantes (Inés y María Azucena) solicitan financiamiento para comprar mercadería para su negocio: ropa usada y pulpería respectivamente e incrementar el inventario de sus productos. A nivel general el sueño de las 11 integrantes es tener una vivienda con las condiciones adecuadas para su familia y apoyar al desarrollo profesional de sus hijos.

Additional Information

About Pana Pana

Pana Pana is a nonprofit civil association founded in 1990 in Nicaragua. The organization’s official name is Asociacion para el Desarrollo de la Costa Atlantica (Association for the Development of the Atlantic Coast) but they have always been know as Pana Pana which means “mutual help” in the local language.

Pana Pana offers loans for commerce, housing, and a small number of agriculture loans. They also have a small social development unit that runs Pana Pana’s non-financial services. This includes technical assistance for housing loans and the development of a water and sanitation project.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Nicaragua

  • $4,800
    Average annual income
  • 34
    View loans »
    Nicaragua Loans Fundraising
  • $26,398,725
    Funds lent in using Kiva
  • 26.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Cyber Sau Group's $2,150 loan helped a member to buy building materials, nails, zinc, sawn and planed lumber, and to cover labor costs.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
May 26, 2014
Jul 8, 2014
Currency Exchange Loss:
Jan 17, 2015