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Calidez Group
In this Group: Magaly Nohemi , Olga María , Alicia Del Socorro
The group Calidez is make up of Olga María S., Alicia L. S. and Magali Nohemí G. L.. Señora S. began selling sweets like caramels and sweets, and now she has a small shop.

Alicia L. S. sells soup and nacatamales (steamed corncakes) on the weekends, and Magali Gonzalas sells firewood. This group has done five loans with ADIM, in which they have prospered, and they hope to continue on.
View original language description ↓

El grupo Calidez está integrado por Olga María S., Alicia L. S. y Magali Nohemí G. L.. La señora S. inicio vendiendo dulces como caramelos y chiverías ahora tiene una modesta venta.

Alicia L. S. vende sopas y nacatamales los fines de semana y Magali G. vende leña. Este grupo lleva cinco ciclos con Adim en los cuales han ido prosperando y esperan seguir adelante

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 20.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Calidez Group's $675 loan helped a member to buy business supplies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 29, 2009
Nov 13, 2009
Currency Exchange Loss:
Dec 25, 2009