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Dios Es Amor Group
In this Group: Yessenia Del Rosario, Idalia Isell, Brenda Esperanza, Bertha Del Carmen, Santa Lucia, Maria Magdalena, Darling Maria, Feliz Cruz, Dimas Mercedes

Update on Dios Es Amor Group

The "Dios es Amor" communal bank is made up of 10 members who are mothers and fathers responsible for their family. They are originally from Malpaisillo, located in the western part of the country. They are hard-working, responsible people wishing to succeed.

Due to lack of financial resources, they were unfortunately unable to study for a career, and were required to start working at an early age. Today they strive for decent work, and to offer their children better living conditions.

Maria is the coordinator, thanks to her effort and desire to get ahead. Her business is selling "cosa de horno" baked goods, both as street vendor and from her home.

Maria's work routine is offering her goods for sale some 12 hours per day. She covers the different towns locally, and twice a week she goes out to the cities of Leon, taking the early morning bus, carrying 30 kgs of goods to sell to her steady and potential clients.

The "Dios es Amor" communal bank is grateful for the support that the lenders at Kiva offer to people of low economic resources and from poor countries, such as Nicaragua, to make a decent living.
View original language description ↓
La asociación comunal Dios es Amor está conformada por diez integrantes, madres y padres responsables de familia, originarias de Malpaisillo, lugar que está ubicado, en la zona de occidente del país, se caracteriza por ser trabajadoras, responsables, con ganas de superación personal. Lamentablemente por falta de recursos económicos no pudo cursar una carrera y se vieron obligadas a trabajar desde temprana edad. En la actualidad luchan por tener un medio de trabajo digno. Y brindarles mejores condiciones de vida a sus hijos.
Gracias a su esfuerzo y sus ganas de salir adelante la coordinadora es María y tiene por actividad económica la venta de cosa de horno de forma ambulante y en su casa de habitación. La rutina de trabajo de María es de unas doce horas diarias ofreciendo sus productos. Ella recorre los diferentes municipios de la localidad. Y dos veces a la semana sale a vender a las ciudades de Leon, toma el bus muy de mañana con una pana de unos 30 kg ofreciendo su mercadería a clientes fijos y eventuales. La asociación 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 un medio de trabajo digno.

Previous Loan Details

The "Dios es Amor" communal bank is composed of 10 members, eight women and two men. They are all responsible mothers and fathers with 15 children under their care. They are natives of Malpaisillo a place in the West of the country. They are all hard-working and responsible with 15 children under... More from Dios Es Amor Group's previous loan »

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).

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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
  • 47
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 26.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Dios Es Amor Group's $2,725 loan helped a member to invest in working capital and stock her business by purchasing "cosa de horno" baked goods.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 17, 2014
Aug 4, 2014
Currency Exchange Loss:
Jan 17, 2015