Our funding is always rooted in small-scale work. In addition, the program provides training to our clients to promote business development and inculcate the savings culture, thus contributing to the increased standard of living of the direct and indirect beneficiaries. While offering a low interest rate relative to market interest rate, we have good acceptance from people, especially the poor. This is also because now there are banks which are impeding access to credit with various eligibility requirements.

We are currently supporting 102 women and 41 men. Furthermore we give small credits to 100 farmers from around Chinandega, who work together with us.

• Support for small business (trade)
• Basic housing repair (door, bathroom, roof, kitchen floor etc.)
• Production of basic grains and vegetables, mainly the production of the flower of Jamaica
• Health and education
  

The interest we have is low, it is 1.00% with respect to the financial market rate, which only allows us to get a small profit margin.

The clients

In 2011 we have 15 producers of basic grains like rice and beans, as well as; 25 people who use their credit for studies and further education, 46 in basic housing repairs and much more, basically to create small businesses.

The program has a gender focus, encouraging working women and single mothers who need someone to hand them a lift out of economic chaos in which many families live in our country. Naturally they can also involve male clients who meet the requirements of the program. Currently, we have male and female clients as farm workers, seniors, young business owners, taxi drivers, peddlers, laborers, ect.

Other program activities

1.  Lectures before the actual giving of the money to raise awareness of the responsibility they have now.

2.  Savings account: In search of a capital increase, we have developed a product aimed at saving for the beneficiaries, that in order to promote saving for families and that in a defined time they have their own working capital and fund support for their loans. The Savings Bank is also open to those who have no credit.

3.  Free technical support that ensures quality raw material in the production of hibiscus, which is linked to wine production project.

4.  Promotions, for example sweepstake-stimulus to their best customers.

If you want to contact the project leader, write or call: Javier Espinoza Pérez chinantlan_ni@yahoo.es, Telf: 8461 0848