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Grupo El Jardín Group
In this Group: Martha Eleonor , Alba Julia , Luz Marina
The members of the El Jardín group are Martha Eleonor T. M., Alba Julia T. M., and Luz Marina B. P.. They are from the Agua Zarca region.

Martha T. is the group coordinator. She makes various foods (typical dishes, among others) in her house. She makes the food in the afternoons to sell them in the evenings. A common tradition among Nicaraguans is to eat “Fritangas” (grilled food). She has worked at this activity for over eight years. She has not left the business. Even though she has had some low points, she has overcome them and gotten ahead.

At her 39 years of age she still feels willing to keep working. Working is the only way to feel young, useful, and full of life.

Alba Julia T. M. and Luz Marina B. P. are the other two members of the group. One makes corn tortillas and sells them in the mornings and the afternoons. The other sells natural health products like teas, among other things.
View original language description ↓
Las integrantes del grupo El Jardín son Martha Eleonor T. M., Alba Julia T. M. y Luz Marina B. P., proveniente del la comarca Agua Zarca, ubicada

La coordinadora del grupo es Martha T. quien trabaja en la elaboración de comidas variadas (Típicas, entre otras), en su casa de habitación. Ella elabora estas comidas por las tardes para venderlas por las noches. Tradición común entre los nicaragüense, comer de las llamadas “Fritangas”. Tiene más de 8 años trabajando en esta actividad y afirma no ha descartado su negocio porque aun que ha tenido bajas en él, se ha sobrepuesto y salido adelante.

A sus 39 años de edad se encuentra todavía dispuesta a seguir trabajando, por que afirma que el trabajo es la única manera de sentirse joven, útil y llena de vida.

Alba Julia T. M. y Luz Marina B. P. son las otras dos integrantes del grupo; Quienes trabajan una elaborando tortillas de maíz que vende tanto por las mañanas como por las tardes y la otra vende productos naturales para la salud, como lo son tés, especies, entre otros.

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
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,420,300
    Funds lent in using Kiva
  • 20.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Grupo El Jardín Group's $1,125 loan helped a member buy a variety of products to also vary the food.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Aug 24, 2009
Aug 26, 2009
Currency Exchange Loss:
Dec 21, 2009