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Karla Group
In this Group: Karla De Los Angeles, Nancy Mercedes, Mercedes Del Carmen
In photograph from left to right: Nancy Mercedes Tercian Vasquez, Karla de los Angeles S. Vasquez and Mercedes del Carmen Hernandez Orozco. The solidarity group Karla is from the locality of Las Flores, city of Masaya. Their businesses are the making of clothing, shoes and a beauty salon. They are well known and trusted in the community, they are young women with a lot of drive and the desire to work and improve themselves. They like to work with Adim because they receive training in how to improve their businesses. Mrs. Nancy makes clothes; she has a small workshop in her home where she makes aprons, school shirts and tablecloths. She has a small child, and started her business to generate more income and help with expenses. Her husband works in a textile company, which is what gave her the idea for the business. Mrs. Mercedes del Carmen makes woman's shoes, she has two workers, her workshop is in her home. With credit she purchased glue, leather, and plastic to design her sandals. She hopes to improve her workshop and make it weather-proof, since presently she cannot work when it rains, as it is out in the open. Ms. Karla de los Angeles has a small beauty salon in her home, very good clients, and needs the loan to buy cosmetics for use in her shop. She was selected the group's coordinator, responsible for collecting the payments and dropping them off at the Adim office. She dreams to improve her beauty salon, purchase more mirrors and provide a better atmosphere to the place. Her husband works at a chicken processing factory and helps with the household expenses; she has three school-age children, and this business has helped her provide for her children immensely.
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Foto de Izquierda a derecha: Nancy Mercedes Tercian V., Karla de los Angeles S. V. y Mercedes del Carmen H. Orozco.
El grupo solidario Karla, es originario de la comarca Las Flores perteneciente a la ciudad de Masaya, de forma general se dedican a la elaboración ropa, calzado y salón de belleza.
Son bien conocidas entre ellas y de confianza, son mujeres jóvenes que tienen mucho empeño y trabajar y salir adelante, les gusta trabajar con Adim porque reciben capacitaciones de cómo mejorar su negocio.

Doña Nancy elabora ropa, tiene un pequeño taller en su casa de habitación donde elabora delantales, camisas de uniforme escolar y manteles. Es una mujer joven con un niño pequeño, ella inició su taller para tener más ingresos para ayudar con los gastos, su esposo trabaja en una empresa textil y de ahí ella pensó en tener este tipo de negocio.
Doña Mercedes del Carmen se dedica a la elaboración de calzado femenino, tiene dos trabajadores, en su casa está el taller, con el crédito compró pega, cuero, materiales plásticos para dar diseño a las sandalias. Espera poder mejorar el taller y darle más protección para el invierno y no detenerse de trabajar por la lluvia ya que está descubierto.
Doña Karla de los Angeles tiene un pequeño salón de belleza en su casa, tiene buena clientela, necesita el crédito para comprar cosméticos que usa en los arreglos de cabellos y para ofrecer a los clientes que llegan, ella fue elegida como coordinadora del grupo por ser persona responsable en reunir los abonos y dejarlos en las oficinas de Adim, ella sueña con mejorar la sala de belleza y comprar más espejos para dar un mejor ambiente al lugar. Su esposo trabaja en una empresa de pollos y le ayuda a los gastos del hogar, tiene tres hijos en edad escolar primaria, este negocio le ha ayudado mucho a mantener a sus hijos.

Additional Information

About ADIM

Located in Central America, ADIM is a small microfinance institution with a strong social focus. In the saturated microfinance market of Nicaragua, ADIM stands out for its emphasis on the holistic development of women as well as its provision of responsible financial services. Founded in 1989 by a small group of Nicaraguan women, this institution has remained true to its initial goal of providing its clients (90% of which are women) with an opportunity for economic growth, in addition to personal and professional empowerment. Supporting an ADIM borrower means contributing not only to the continued offering of the socially conscious services it provides, but also to the sustainable growth of a truly unique microfinance institution.

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

  • $3,636
    Average annual income
  • 174
    View loans »
    Nicaragua Loans Fundraising
  • $23,195,750
    Funds lent in using Kiva
  • 20.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Karla Group's $475 loan helped a member comprar cosméticos como tintes, cremas para peinar, geltinas para el pelo, colores para peinar, etc. Tambien compra pinturas como : maquillajes, cremas limpiadoras, sombras y lapices labiales, pinturas de uñas, etc., estos tambien se los ofrece a los clientes.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 13, 2009
Listed
Apr 23, 2009
Currency Exchange Loss:
Covered
Ended:
Sep 15, 2009