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Flor De Pino Group
In this Group: Ana Julia, Paula Nelis , Edda Del Carmen , Marvin De Jesús
The Group “Flor de Pino” (Pine Blossom) originates from the San Pedro region, which is part of the town of Ticuantepe and adjacent to the district of Nindiri. Because of their location, the group members find it relatively easy to travel from Nindiri to Managua. The four members of the group are as follows: Doña Ana Julia V. M., Doña Paula Nelis L. H., Doña Edda del Carmen M. L., and Marvin de Jesús H. A..


Doña Ana is the senior member of the group. She is 44 years old and the group coordinator. She instills confidence in the other members. Even though they are quite young, they embrace taking up much responsibility.


Doña Ana makes and sells corn tortillas in her neighborhood. She learned this skill three years ago thanks to a neighbor who taught her how to make them and motivated her to start selling them. She started her business with the help of her husband, who works for a company as a winemaker. His salary alone was not enough for them to provide the necessary conditions for their children to succeed.


Seeing that she had the support her husband, Doña Ana decided to continue her business. Thanks to both of their incomes, their 18 year old daughter is in college shaping her own future. Their two younger children will have the same opportunity to do likewise.


With the help of her loan, Doña Ana wants to begin selling a variety of other products. This is why she started the “Pino de Flor” group. The members have maintained an excellent credit record.


Doña Paula sells all types of clothing based on customer requests. Doña Edda is an Avon cosmetics distributor. Marvin sells chicken in different parts of the region.

View original language description ↓
El grupo Flor de Pino, es originario de la comarca San Pedro, perteneciente al Municipio de Ticuantepe, pero que queda aledaño a la zona de Nindiri, por lo cual es más factible para éste grupo viajar a Nindiri que a Managua. Está formado por cuatro integrantes que son: Doña Ana Julia V. M., Doña Paula Nelis L. H., Doña Edda del Carmen M. L. y Marvin de Jesús H. A..

Doña Ana es la mayor, tiene 44 años de edad, y es la coordinadora del grupo puesto que infunde confianza a los otros miembros, que aun que siendo jóvenes, abrazan mucha responsabilidad.

Ella trabaja en la elaboración de Tortillas de maíz en su comarca, oficio que aprendió hace tres años, gracias a su vecina que le enseño a hacerlas y le motivo a iniciar la venta de éstas, doña Ana se retó a iniciar el negocio para poder ayudar a su esposo, quien trabaja como bodeguero en una empresa, pero cuyo salario no les permitía brindar a sus hijos las condiciones necesarias para salir adelante;

Al ver que le iba bien decidió continuar y gracias al trabajo de ambos hoy su hija de 18 años está en la Universidad concretando su futuro y sus dos hijos menores tendrán la oportunidad de hacerlo de igual manera.

Doña Ana aspira poder vender otras variedades de productos ayudándose de los financiamientos recibidos, es por esto que el grupo flor de Pino, mantiene su excelente record crediticio.

Doña Paula es vendedora de ropa de todo tipo, según sea la demanda de sus clientes. Doña Edda es distribuidora de cosméticos de la línea AVON, y Marvin Distribuye pollo en diferentes zonas de su comarca.

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
  • 127
    View loans »
    Nicaragua Loans Fundraising
  • $24,535,925
    Funds lent in using Kiva
  • 20.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Flor De Pino Group's $600 loan helped a member purchase products to increase their businesses.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 13, 2009
Listed
Aug 18, 2009
Currency Exchange Loss:
Covered
Ended:
Jan 15, 2010