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El Carnen Group
In this Group: Jerónima Alejandrina, Rosibel Angélica , Alvaro De Jesus
The El Carmen Group consists of Jerónima Alejandrina R., Rosibel Angélica T. M. and Álvaro de Jesús C., three hard-working and responsible people with high hopes. Jerónima is 38 years old and started out selling tortillas and saved enough to have her own post in the market where she has sold calculators for the past six years. Her partner in the group, Rosibel, grows fruits and vegetables and sells them at the markets. Meanwhile, Álvaro has been a farmer since he was born and sells what he grows.
View original language description ↓

El grupo El Carmen está integrado por Jerónima Alejandrina R., Rosibel Angélica T. M. y Álvaro de Jesús C. tres personas trabajadoras, responsables y con mucha esperanza.

Jerónima Alejandrina R. de 38 años empezó vendiendo tortillas cuando ahorro lo suficiente puso un puesto en el mercado donde vende calculadoras desde hace 6 años.

Su compañera de grupo Rosibel Angélica T. M. produce y vende frutas y verduras en el mercado. Mientras Álvaro de Jesús C. es agricultor desde que nació y comercializa lo que produce.

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
  • 96
    View loans »
    Nicaragua Loans Fundraising
  • $24,738,825
    Funds lent in using Kiva
  • 20.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of El Carnen Group's $675 loan helped a member purchase calculators and other supplies.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Dec 31, 2009
Jan 6, 2010
Currency Exchange Loss:
Jun 15, 2010