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Zensontles Group
In this Group: María Félix , María Del Rosario, Paula Del Carmen
The Zensontle Group consists of three hard-working women with vision and ability: Paula del Carmen Rodríguez C., María Félix Hernández P. and María del Rosario G.. They come from the Cofradía region, a remote rural area of Nindiri.

This group has several loan cycles with ADIM which little by little has helped them improve their businesses and their quality of life. Today each of their businesses are prospering but they need an inversion of capital that they don’t have, so they have decided to renew their loan and continue forward.

The coordinator of the group is 38 year old Paula del Carmen Rodríguez who has been selling Avon beauty products for 4 years in a business where she used to work. She sells so she can help support her four children ages 13, 17, 18, and 20.

Over time and with the loans provided by ADIM the business has grown so much that she is a distributor of her products. Her other colleague is María del Rosario G. who also sells cosmetics but of another brand more widely sold including shampoo, deodorant, moisturizers, makeup, coloring and more. This woman has 5 children, 4 of which still depend upon her and are ages 17, 15, 11, and 9 years old.

The other member of the group is María Félix Hernández P., mother of 4 children ages 2, 9, 20, and 22 years old for whom she would make any sacrifice. She sells traditional desserts such as baked goods (milk cake, pastries), caramel (milk caramel, coconut, peanut), and pozol (a corn masa drink). This type of work requires great effort and investment because of the ingredients such as milk, sweetener, wood, fruit, corn, curd and for the difficulty in their preparation.
View original language description ↓
El grupo Zensontle lo conforman tres mujeres beligerantes, trabajadoras, con visión y muy capaces estas son Paula del Carmen Rodríguez C., María Félix Hernández P. y María del Rosario G.. Ellas provienen de la comarca Cofradía una zona rural de muy difícil acceso de Nindiri.

Este grupo tiene varios ciclos trabajando en conjunto con Adim lo cual poco a poco les ayudado mejorar sus negocios y su calidad de vida. Actualmente los negocios de cada una de ellas van prosperando pero requieren de mayor inversión de capital con el que no cuentan, es por esta razón que han decidido renovar su préstamo y seguir adelante.

La coordinadora del grupo es la señora Paula del Carmen Rodríguez de 38 años de edad que desde hace cuatro años empezó vendiendo productos de belleza de la marca Avon en una empresa en la cual trabajaba; para así poder ayudarse en la manutención de sus cuatro hijos de las edades 13, 17, 18 y 20 años respectivamente.

El negocio con el pasar del tiempo y con los créditos que le brindo adim fue creciendo de tal manera que ella es distribuidora de sus productos. Su otra compañera es María del Rosario G. que también vende cosméticos pero de otro tipo más comercial y accesible como champú, desorante, cremas, pinturas y tintes entre otros. Esta señora tiene cinco hijos de los cuales cuatro dependen de ella que tienen las edades de 17, 15, 11 y 9 años respectivamente.

La otra integrante del grupo es María Félix Hernández P. madre de cuatro hijo entre las edades de 2, 9, 20 y 22 años por los cuales ella hace cualquier sacrificio. El negocio de ella es la comercialización de postres tradicionales como son la cosa de horno (perreque, torta de leche, casualitas), cajeta (de leche, coco, coyolito, maní) y pozol. Este tipo de trabajo requiere de mucho esfuerzo e inversión por los ingredientes como leche, dulce, leña, las frutas, maíz y cuajada y lo difícil de su preparación.

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
  • 108
    View loans »
    Nicaragua Loans Fundraising
  • $23,723,925
    Funds lent in using Kiva
  • 20.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Zensontles Group's $575 loan helped a member buy products such as makeup, shampoo, moisturizers, perfume, etc.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 29, 2009
Listed
Jul 30, 2009
Currency Exchange Loss:
Covered
Ended:
Jan 15, 2010