Nicaragua
Poverty 
Cycle

inflation
low savings
less
productivity
low capital 
stock
fewer loans
low 
employment
Current development status

Background:
war
natural disaster
political disaster

Economic factors:
5.6% unemployment
48% below poverty line
gini index 43.1

Human factors:
81% literacy
90% primary school enrollment
Micro credits

What?

small loans/ financial service for self-employment project generating income 
pay back monthly 
Why?

low interest (3%)
women role
citizen involvement
money flow



How? 

$400 loan (in total) 
additional training as needed
closely monitored
joint liability group
Who?

mostly women (family) in rural areas

1) deposit account
2) collateral (domestic electronic)
3) identification card


$50 million
125,000 people