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Gilbert Group
In this Group: Teodora Del Socorro, Lesbia Johana, Maria Teresa, Lorena Del Carmen
Teodora del Socorro Jarquín A., Lesbia Johana C. Téllez, María Teresa Sánchez and Lorena del Carmen López Hernández (from left to right).

The Gilbert solidary group is made up of 4 women, all of whom are hard-working and are from the department of Masaya. They live humble lives and work with Adim because they like that they trust them. They are neighbors that trust each other since they have known each other for many years and are very united.

Mrs. Teodora del Socorro Jarquín is the coordinator of the group. She was elected because she is a very responsible person. She is a widow, and she has a small grocery store that is well-stocked with products. She has a 15-year-old daughter, who is in school. She dreams of improving her business and someday of having a general store so that her daughter can study and have a job.

Mrs. Lesbia Johana is a young woman, who sells chicha (a type of beverage) in bags and in bottles. She distributes this to vendors, who offer her drinks in the neighborhoods and in the market. At present, she has two vendors. In her house, she also sells them individually. She has pursued this activity for more than 4 years, and she has taken her family forward. Her husband helps her with the expenses for their three children. He is a teacher. She also sells clothes on credit as a second job. She dreams of providing for her children to attend university. Her children as 16, 15, and 14 years old.

Mrs. María Teresa Sánchez is a young woman. She has an eight-year-old daughter, who attends a school near her house. She makes and sells bedspreads, sheets, and pillowcases. She buys materials in the market, including fabric, threads, decoration, etc. She has many clients that give her orders for her products. She dreams of having her own home. She is very responsible.

Mrs. Lorena del Carmen López is a woman who owns a small beauty salon, which is located in her house. She has one son, who is an adult. Her husband works as a security guard in a business in Managua. She began her business 5 years ago. At first, she was working in a salon in the market. The loan is needed to buy materials like liquids for perms, shampoo, cosmetics, etc. She dreams of having a more complete salon, to improve her house, and to separate her salon from her house.

This group has promised to make their payments punctually, and this is how they continue to get loan from Adim. She are certain that with this loan they will go forward because they will be able to increase their sales and, therefore, their incomes.
View original language description ↓
Foto de Izquierda a derecha: Teodora del Socorro Jarquín A., Lesbia Johana C. Téllez, María Teresa Sánchez y Lorena del Carmen López Hernández.

El grupo solidario Gilbert está conformado por cuatro señoras, todas ellas son mujeres trabajadoras, originarias del departamento de Masaya, sus condiciones de vida son humildes, trabajan con Adim porque les gusta que confíen en ellas, expresaron..
Son vecinas, de confianza, se conocen hace muchos años y son muy unidas.
.

Doña Teodora del Socorro Jarquín es la coordinadora del grupo, fue elegida por ser una persona muy responsable, es viuda, tiene una pulpería pequeña pero bien surtida de productos, tiene una hija de 15 años que estudia y le ayuda a ver el negocio, ella tiene varios años de dedicarse a esta actividad , sueña con mejorar el negocio y algún día tener una miscelánea para que su hija estudie y tenga una profesión.

Doña Lesbia Johana joven mujer vende chicha en bolsas y en botellas, ella distribuye a vendedores que ofrecen sus refrescos en los barrios y el mercado, actualmente tiene dos vendedores, en su casa también vende por unidades; con mas de cuatro años de dedicarse a esta actividad ha sacado su familia adelante, su esposo le ayuda con los gastos para sus tres hijos, él es educador social. Además vende ropa al crédito como segunda actividad. Sueña con darle estudios universitarios a sus hijos que están en edades de 16, 15 y 14 años.



Doña María Teresa Sánchez es una joven mujer, madre de una niña de ocho años que estudia en una escuela cerca de su casa, ella se dedica a la elaboración y venta de cobertores, sábanas y fundas, compra sus materiales en el mercado como telas. hilos, adornos, etc., tiene muchos clientes que le piden encargos, sueña con tener su propia vivienda, ella es muy responsable.

Doña Lorena del Carmen López es una mujer propietaria de un pequeño salón de belleza
Ubicado en su casa de habitación, es madre de un solo hijo ya adulto, su esposo trabaja como guarda de seguridad en una empresa en Managua. Ella inició su negocio hace cinco años, primero fue trabajadora de un salón en el mercado. El crédito lo necesita para comprar materiales como líquidos de permanente, shampoo, pinturas cosméticas, etc.
Sueña con tener un salón más completo y mejorar su casa separando el salón del resto de la casa.

Este grupo está comprometido a pagar puntual y así seguir obteniendo créditos con Adim, están seguras que con el crédito saldrán adelante porque incrementan sus ventas y así sus ingresos.




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

  • $4,800
    Average annual income
  • 135
    View loans »
    Nicaragua Loans Fundraising
  • $24,558,975
    Funds lent in using Kiva
  • 20.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Gilbert Group's $625 loan helped a member to buy various products, including beauty products.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 14, 2009
Listed
Jul 21, 2009
Currency Exchange Loss:
Covered
Ended:
Dec 19, 2009