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Cristhiam Group
In this Group: María José , Marvelis Del Carmen, Vilma
The Cristhiam group is comprised of three cheerful, hard-working, and enterprising women. Between laughs and jokes they made the interview more enjoyable.

María José P. is the coordinator of the group. She has a business selling clothing and cosmetics. She started the business four years ago. She used a little capital to buy some cosmetics.

This enterprising woman’s face lights up and she sparkles when she talks about the small general store that she wishes to build. She describes her goal with much emotion and precision. She will have a place for cosmetics, clothes, and sweets.

Karla Patricia Hernández, a colleague in the group, sells clothing and products for children. Cenia Delfina Pérez Hernández, another colleague, sells a variety of products from perfume to clothes and cosmetics, etc.
View original language description ↓
El grupo Cristhiam lo integran tres mujeres joviales, trabajadoras y emprendedoras quienes entre risas y bromas hicieron más ameno la entrevista. La coordinadora del grupo es María José P. quien se dedica al comercio de ropa y cosmético negocio que inicio hace cuatro años con poco capital con la compra de algunos cosméticos.

Esta señora emprendedora cuando habla de la miscelánea que desea construir se le ilumina el rostro, se vista chispea y describe con tan emoción y precisión dicha meta en el que habrá un cubico para cosméticos, de ropa y confites según dijo.

Sus compañeras de grupo son Karla Patricia Hernández se dedica al comercio de ropa y productos para niños y Cenia Delfina Pérez Poveda vende variedad de productos desde perfumes, ropa, cosméticos etc.

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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 21.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Cristhiam Group's $1,125 loan helped a member clothes and cosmetics.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 23, 2010
Jun 25, 2010
Currency Exchange Loss:
Jan 19, 2011