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Luz Del Esfuerzo Group
In this Group: Silvia Alejandra, Vilma , María Catalina
The group Luz de Esfuerzo is made of three hard-working women who had to learn to make a living since childhood. One of them, Silvia Alejandra C. O. is a seamstress, a skill she learned from her mother. She is 27 years old and forthe last year has had her own shop which was built thanks to the loans she has taken out and her increased earnings.

In the new year O. would like to continue making progress. Thanks to God she has a lot of work which means she needs a loan to buy basic materials such as fabric, needles, zippers and buttons.

La señora Vilma R. N. is 55 years old and since she was first able to, she has sold nacatamales (corn mash and filling wrapped in banana leaves and steamed), tortillas and other baked goods. She learned how to do this at home from her mother and grandmother who taught her all about the culinary arts. Also, Maria Catalina O. is 55 years old and she sells bananas from a small stretch of the Masaya market.
View original language description ↓

El grupo Luz del Esfuerzo lo conforman tres mujeres trabajadoras que desde su niñez tuvieron que aprender a ganarse el pan de cada día. Una de ellas es Silvia Alejandra C. O. quien se dedica a la costura oficio que aprendió de su madre. Esta joven de 27 años desde hace tres años tiene su propio taller el cual construyo gracias a que con los prestamos que obtuvo en adim sus ganancias aumentaron.

En este nuevo año O. desea seguir progresando y gracias a Dios tiene muchos trabajos por lo cual requiere del préstamo para comprar materia prima como telas, hilos, zipper, botones

La señora Vilma R. N. de 55 años asegura que desde que tiene uso de razón hace y vende nacatamales, tortillas y cosa de horno. Esto lo aprendió en su hogar por madre y abuela quienes le instruyeron el arte culinario. Mientras María Catalina O. de 55 años vende guineo en un tramo del 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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 20.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Luz Del Esfuerzo Group's $825 loan helped a member to buy fabric, needles, buttons and zippers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 29, 2009
Dec 30, 2009
Currency Exchange Loss:
Jun 15, 2010