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Las Toruños Group
In this Group: Marisol , Heyling, Zeneyda
The T. group consists of three hard working women who will invest the loan in their respective businesses. One of them is Zeneida T. who at a young age learned how to earn a living and today she sells a variety of cosmetics.

Marisol T. makes and sells nacatamales (a steamed corn cake), a typical food of Nicaragua that is eaten on the weekends for breakfast, lunch, or dinner. This woman learned this culinary art and the necessary secrets to make these delicious items for people on a diet or with high cholesterol. Her mother taught her everything she knows.

Meanwhile Heyling L. has a small popular restaurant known as a “friganga”(frying place) because the majority of her foods are fried. These are very popular in Nicaragua and her business is conducted in the evenings.
View original language description ↓
El grupo las T. está integrado por tres mujeres trabajadoras que invertirán el crédito en sus respectivos negocios. Una de ellas es Zeneida T. quien desde muy joven aprendió a ganarse la vida ella actualmente comercializa cosméticos de distintas marcas.

Marisol T. hace y vende nacatamales, una comida típica de Nicaragua que se come especialmente los fines de semana ya sea en la mañana, en el almuerzo o la cena. Esta señora aprendió el arte culinario y los secretos necesarios para hacer este delicioso pecado para las personas a dieta o con colesterol de su madre quien le enseño todo.

Mientras Heyling L. tiene un pequeño restaurante popular conocido como fritanga porque la mayoría de sus alimentos son fritos. Estás son muy populares en Nicaragua y su comercio es especialmente en las noches.

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
  • 110
    View loans »
    Nicaragua Loans Fundraising
  • $24,832,275
    Funds lent in using Kiva
  • 20.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Toruños Group's $950 loan helped a member buy cosmetics.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 30, 2009
Jan 2, 2010
Currency Exchange Loss:
May 15, 2010