The Divines Group
Mrs. Maribel P., 30, is the group coordinator. She is a young woman who learned her trade from her mother, who owns a booth in the Oriental Market (the largest market in Nicaragua). Her passion for business grew from there, stating, “I’ve always liked this business”.
She started her own business selling products that she could easily distribute. Now she expanded into selling clothing and lingerie. She has been doing this for four years and intends to continue to grow.
With previous loans, she has increased her products to meet the demand from her customers. This loan will be invested in continuing to grow her business to hopefully increase the revenues and improve her family’s life. She has two children, 12 and 13 years old, and hopes they have successful lives.
The Divines group has been working with ADIM for two years. This is their fifth loan and they are very satisfied with what they have accomplished so far.
Mrs. Jeny C. sells bicycle spare parts from her house. Mrs. Carmen T. sells clothes in the Free Zone. Mrs. Ana C. runs a small restaurant from her house.
Doña Maribel P. de 30 años de edad, es la coordinadora del grupo; Una mujer Joven, quien aprendió su oficio de su Madre que posee un tramo en el Mercado Oriental (El mercado más grande de Nicaragua). De ahí nace su pasión por el comercio; afirma “Siempre me ha gustado este negocio”.
Cuando se independizo de su madre, decidió iniciar vendiendo productos accesibles que pudiera distribuir con facilidad y actualmente ha incrementado su negocio vendiendo Ropa y Lencería variada; Lleva ya cuatro años en el negocio y pretende seguir creciendo en éste.
Afirma que con los créditos a podido incrementar sus productos y satisfacer la demanda que tiene por parte de sus clientes, su crédito pretende invertirlo en seguir surtiendo sus productos y así poder recibir más ganancias para poder sacar adelante a su familia, ella tiene dos pequeños niños de 12 y 13 años con quienes sueña sean más exitosos en sus vidas.
El grupo las divinas tiene 2 años de estar trabajando con ADIM, éste es su quinto ciclo de crédito, y están muy satisfechas con el trabajo realizado.
Doña Jeny C. vende Repuestos de Bicicleta en su casa de habitación, Doña Carmen T. quien distribuye ropa en la Zona Franca y Doña Ana C. que posee una Fritanga (Venta de Comida por las noches) en su casa.
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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Success!! The loan was 100% repaid