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La Rutina Group
In this Group: Elizabeth, Tania, Jairo
The group "Rutina" is made up of 3 hardworking women. One of these is Elizabeth del Carmen M. G., who started a business selling ice, ice cream, frozen chocolate bananas, etc. She and her life partner work arduously to provide their children with a better quality of life.

There are 2 other members of the group. Tania de los Ángeles Díaz is a hardworking youth who makes tortillas, a Nicaraguan staple. With the loan, she plans to increase her production. Jairo Ramon G. sells a little of everything: clothing, shoes, accessories, etc.
View original language description ↓
El grupo rutina está integrado por tres mujeres trabajadoras una de ellas Elizabeth del Carmen M. G. inicio vendiendo hielo, helados, chocobananos, etc. Ella junto con su compañero de vida trabaja arduamente para proporcionarles a sus hijos una mejor calidad de vida.
Los otros integrantes del grupo son Tania de los Ángeles Díaz es una joven trabajadora quien se dedica hacer tolrtillas bastimento por excelencia de los nicaragüenses ella con el préstamo piensa aumentar la producción y Jairo Ramon G. vende de todo un poco desde ropa, zapatos, prenda 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
  • 110
    View loans »
    Nicaragua Loans Fundraising
  • $24,829,275
    Funds lent in using Kiva
  • 21.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of La Rutina Group's $700 loan helped a member to buy staple grains and snacks.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Oct 12, 2010
Oct 28, 2010
Currency Exchange Loss:
Apr 15, 2011