Maria De Fatima Group
The solidarity group María de Fátima is formed from the closeness of their businesses and for their confidence in each other. They have small businesses in the community of Villa Betania, in the city of Masaya. The three members have a lot of confidence in each other.
Doña María Lorena Q. Martínez is the mother of 2 small children, who are 5 and 2 years old. She sells corn pastries during the day. She buys it in a pastrymaking shop, where they give her good prices. She also sells soft drinks. Her husband works as a guard in Managua, and he helps her with the expenses of the home. For two years she has been in this activity, and manages to help with the family budget.
Doña Yelba María López N. is the coordinator of the group. She was elected to be the leader of the group. She is very responsible in the payments. She sells clothes on the street in Tipitapa, where she already has many customers. She is a single woman with an adult daughter who helps her with the business. She dreams to improve her house and have a bigger business.
Doña Graciela Auxiliadora, like her other colleague in the group, sells corn pastries, that are known as “cosa de horno”. Also, she offers soft drinks, coffee, milk, etc. She has been doing this activity for 2 years. She is the mother of a small boy who is 2 years old. Her husband helps her with the expenses of the home. She dreams to improve her home, because in the winter it floods a little. With the loans, she has bought the pastries wholesale to maintain the best prices.
El grupo solidario María de Fátima, es formado según la cercanía de sus negocios y por su confianza entre ellas, tienen pequeños negocios en la comunidad de Villa Betania, perteneciente a la ciudad de Masaya.Las tres miembros tienen mucha confianza entre ellas.
Doña María Lorena Q. Martínez , es madre de dos niños pequeños de 5 y 2 años, vende repostería de maíz durante el día, ella la compra en un taller de repostería donde le dan buen precio, además vende refrescos, su esposo trabaja como guarda en Managua y le ayuda con los gastos del hogar. Tiene 2 años de dedicarse a esta actividad y consigue ayudar en el presupuesto familiar.
Doña Yelba María López N. es la coordinadora del grupo, ella fue elegida por ser líder del grupo, muy responsable en sus pagos. Ella vende ropa ambulante en Tipitapa donde ya tiene muchos clientes, es mujer sola con una hija adulta que le ayuda en el negocio. Ella sueña con mejorar su casa y tener mas grande su negocio.
Doña Graciela Auxiliadora al igual que su otra compañera de grupo vende repostería de maíz, que se conoce como “cosa de horno”, además ofrece refrescos, café, leche, etc., tiene dos años de dedicarse a esta actividad. Es madre de un niño pequeño de 2 años Su esposo le ayuda con los gastos del hogar.
Ella sueña con mejorar la casa porque en los inviernos se le inunda un poco, con los créditos ella ha comprado por mayor la repostería consiguiendo mejores precios.
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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