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Melania Group
In this Group: Modesta Del Carmen, Flor De María, Rosa Angelica
The Melania Group consists of three hardworking women. One of them is Modesta H., the group coordinator, who has been selling ice, ice cream, milk, and curds for 16 years. She will invest her loan as operating capital with the goal of accumulating her own money.

Her fellow group members are Flor G., who sells chickens, and Rosa H., who sells soft drinks, ice cream, and ice. They plans to use their loans to improve their businesses and make progress.
View original language description ↓
El grupo Melania lo conforman tres mujeres trabajadoras una de ellas es la Modesta H. coordinadora del grupo quien vende hielo, helados, leche, cuajada desde hace 16 años. Ella invertirá el crédito en capital de trabajo sueña que algun día poder trabajar con propio dinero.

Sus compañeras de grupo son Flor G. quien vende pollo y Rosa H. quien comercializa frescos, helados y hielo. Ellas con el préstamo piensas en mejorar sus negocios y progresar.

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
  • 93
    View loans »
    Nicaragua Loans Fundraising
  • $24,753,075
    Funds lent in using Kiva
  • 21.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Melania Group's $600 loan helped a member operating capital for their small businesses.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 25, 2010
Jul 20, 2010
Currency Exchange Loss:
Oct 15, 2010