Fuerza En Cristo Group
F. has a goal of expanding his business, but his main objective is to have his own oven which would allow him to produce greater quantities and a wider variety of products. He currently rents an oven that that only produces two batches per day. F. will invest his loan in the purchase of raw materials such as flour, yeast, milk, and other items so that he can complete his orders.
Another member is María Adelia L. R., who in 1974 began selling chemical cleaning products such as Pine Sol and chlorine. Such products are used regularly by many households. Mercedes del Carmen S. is 44 years old and has a small shop. In addition, she buys and sells jocotes (a type of plum), mangos, mamoncillos (a fruit native to the Caribbean and Latin America), papaya, currants, and other fruits. They will invest their loans in their businesses.
Also worth noting is that they have participated in nonfinancial services offered by ADIM, such as training classes in product creation and business development. According to them, these services have helped them to manage and invest wisely, economize, and improve their self-esteem.
Filiarte tiene la meta de expandir su negocio pero lo principal para lograrlo es tener su propio horno lo cual le permitiría elaborar mayor cantidad y variedad de productos, ya que actualmente alquila un horno donde solamente producen dos arroaz diario. Ellos invertirán el crédito en la producción con la compra de materia prima como harina, levadura, leche...etc. para cumplir con sus pedidos.
Las otras integrantes son María Adelia L. R. quien en 1974 empieza trabajar con productos químicos de limpieza como el pinesol y la cliorina los cuales se consumen regularmente en los hogares y
Mercedes del Carmen S. de 44 años tiene una pequeña venta. Además compra y vende cosechas como jocotes, mango, mamones, paya, groseas etc. Ellas invirtieran el crédito en sus negocios.
Por otra parte cabe señalar que ellos han sido parte de los servicios no financieros de Adim es decir del proceso de capacitación y formación sobre género y desarrollo empresarial lo cual según comentaron les ayudado mucho a administrar e invertir sabiamente, a economizar y mejorar su autoestima.
About ADIMLocated 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.
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Success!! The loan was 100% repaid