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Xiomara Group
In this Group: Rosa Esther , Maribel Del Carmen , Elsa María
The group Xiomara consists of three farmers who grow and sell fruits and vegetables. They come from the city of Masaya where the main line of work is agriculture.

Rosa Esther M. D. is 39 years old and is the group coordinator. She is a fruits and vegetables farmer who has worked with ADIM (micro-finance institution) for three years and, since then, has increased her income.

She sells her products at the oriental market in Managua and she is very happy with her work. She has had nine loans with the Xiomara group. They have been very responsible with their loans and their businesses are doing very good. They will invest this loan in this year’s harvest.

Maribel Del Carmen S. sells her products at the Roberto Huembes market in Managua and Elsa María M. sells her products at the market in Masaya.

View original language description ↓
El grupo Xiomara está formado por tres productores y vendedores de verduras y frutas; Ellos provienen de la ciudad de Masaya, de zonas aledañas donde el principal rubro es el cultivo de las tierras.

Rosa Esther M. D., es la coordinadora del grupo, a sus 39 años es una productora de frutas y verduras, que conoció ADIM hace 3 años y desde entonces ha mejorado los ingresos por sus productos.

Ella distribuye sus productos en el mercado oriental de Managua. Está muy contenta con su trabajo, tiene nueve ciclos de estar trabajando con el grupo Xiomara y han sido muy responsables con sus créditos por que sus negocios son muy buenos. Su crédito lo invertirá en lo que cosecha de esta temporada.

Rosa Esther M. D. distribuye en el mercado Roberto Huembes de Managua y Elsa María M. distribuye en el mercado de Masaya.

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
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • 20.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Xiomara Group's $850 loan helped a member this year's harvest.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Aug 26, 2009
Aug 28, 2009
Currency Exchange Loss:
Feb 15, 2010