Photo (Left to Right): Ana Maria C. B., Patricia del Carmen C. A., Mercedes Eugenia Rostran Guzman, Candida Rosa Sanchez y Leonor del Carmen Hernandez C.
This group is from the San Francisco region of the Nindiri municipality. All five members own different businesses and they have many years of working in their community. They have been with Adim (Kiva Field Partner) for many years and have demonstrated to be very responsible individuals, always on time with their payments. They are committed to the organization.
Ana Maria C. is a young woman. She sells food from her home, mostly pork dishes such as stews. The loan will be used to purchase pork to later make broths. She is mother of an adolescent son and she dreams of providing him with an education and to give him a better way oflife. She is so happy to have received help from this organization.
Patricia del Carmen C. is a very young woman and a hard worker. She sells clothing to individuals in her community. She is mother of a little boy who she supports by herself. She is a single Mom and this fact has given her the drive to work harder and put her son ahead of everything. She is going to school in Comarca, and she hopes to attend high school in Masaya.
Mercedes Eugenia Rostran is another member. She sells vegetables door to door, as well as prepared fruits. She delivers to her more steady clients. She is well known in her community. She buys in Masaya in wholesale markets. She has three young children that are going to school near their home. She takes care of them and she wishes to see them complete their studies so that they will know things she will never know.
Candida Rosa Sanches is the coordinator of the gorup. She is very responsible and the group has placed her in charge because she knows how to read better than the other members and she knows how to sign her name. She has been working in the markets since she was very young together with her Mom, selling fruits and vegetable. She coupled her loan with her own savings and now she has her own stand where she sells oranges, lemons, tamarind, onions, garlic, etc. She buys her products in the markets and in the regions close to where she lives.
She has three school-aged children, three adolescents and a little baby. They are attending school in the community and one goes to school in Masaya. She feels that one should move out of Comarca and study other courses there. Her work day starts at 3a.m. and ends at 2p.m.. On her way home from work she picks up groceries to make supper. She says that the loans have granted her the ability to purchase fruits in larger quantities and therefore increase her profit margin. She is alwaye encouraging her colleauges to be responsible so that they will continue to benefit from small loans for continued improvements.
Leonor del Carmen Hernandez sells fruits and vegetables in the Oriental market. She has been running this business for many years. She dreams of making some improvements to her home. She has two school-aged children, and one of them helps her with the business. With the loan she will increase her inventory and buy at better prices.
Este grupo solidario es originario de la comarca San Francisco, del municipio de Nindirí, las cinco se dedican a actividades diversas y dentro de su comunidad, tienen muchos años de dedicarse a esta actividad, llevan varios ciclos de trabajar con Adim y han demostrado ser personas responsables y puntuales, están comprometidas para quedar bien en la institución.
Doña Ana María C., es una joven mujer, ella tiene su negocio de venta de comida, vende en su casa comidas derivadas del cerdo como caldos de carne. El crédito lo usó para comprar cerdos en pie y luego procesar los caldos, así como especies y bolsas de plástico. Ella es madre de un hijo adolescente y sueña con darle estudio y tener un mejor nivel de vida, está satisfecha de haber obtenido créditos en base a la confianza.
Doña Patricia del Carmen C., es una mujer trabajadora desde muy joven,vende ropa a personas de la comunidad, es madre de un niño pequeño al que mantiene sola, ella es madre soltera y esto le ha dado mayor fuerza para trabajar y poder sacar adelante a su hijo, este estudia en la escuela de la comarca, piensa que la secundaria la pueda cursar en Masaya.
Doña Mercedes Eugenia R., es otra de las integrantes, ella también vende verduras ambulante, vende frutas peladas y entrega a clientes fijos, ella es conocida por vendedora en la comunidad, compra en Masaya al por mayor y al detalle. Tiene
tres hijos pequeños que estudian en la escuela más cercana a su casa, ella se encarga de cuidarlos y desea que terminen estudios para que conozcan cosas que ella no conoce
Doña Candida Rosa S. es la coordinadora del grupo, ella es muy responsable y el grupo le ha dado el cargo porque sabe leer más que las otras dos integrantes y puede firmar bien. Trabaja en el mercado desde muy joven junto con su mamá, vende frutas y verduras, ahora con el crédito ella ha invertido su propio dinero y tiene su propio puesto, donde ofrece naranjas, limones, tamarindo, cebollas, ajos, etc. Compra los productos en el mercado y en la zona donde vive.
Tiene tres hijos en edad escolar, con tres adolescentes y un pequeño, estudian en la escuela de la comunidad y uno estudia en Masaya, esto porque ella considera que debe de salir de la comarca y estudiar además otros cursos.
Su horario de trabajo es de las 3 a.m. hasta las 2 p.m., cuando regresa a su casa lleva las provisiones para la comida, expresa que el crédito le permite comprar mayor cantidad de frutas y tener mayor margen de ganancia.
Ella anima a sus compañeras a quedar bien para que le sigan financiando y así seguir creciendo.
Doña Leonor del Carmen H., vende frutas y verduras en el mercado oriental, tiene muchos años de dedicarse a esta actividad, ella sueña con poder mejorar su casa, tiene dos hijos en edad escolar, uno de ellos le ayuda con el negocio. Con el crédito ella logró incrementar su inventario y poder comprar con rebajas de precio.
About ADIMLocated 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.
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