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Oriflame Group
In this Group: Ghisela, Yessenia, Rosa
The group Oriflame is made up of 3 working women, hard-working and entrepreneurial, who work with Adim. Adim has benefitted them enormously with the offer of loans and the development of their self-esteem through the formation programs.

Señora Ghisela M. Hernández is 28 years old. She is a hard-working woman who has been a dental and sewing assistant and cosmetic saleswomen for 2.5 years. Hernández is the mother of 2 small children, 10 and 4, for whom she works very hard. She is going to invest this loan in the purchase of clothing - merchandise - to take advantage of the season.

The other members of the group are Rosa María B., who sells Oriflame products, and Yessenia Zeledón Guerrero, who has a small grocery store. She wants to continue working and improve her circumstances.
View original language description ↓
El grupo Oriflame lo conforman tres féminas trabajadoras, esforzadas y emprendedoras quienes trabajan con Adim por su desempeño y labor y las ha beneficiado tanto de las ofertas de préstamos y el desarrollo de la autoestima a través de los programas de formación.
La señora Ghisela M. Hernández de 28 años es una mujer trabajadora que ha sido un asistente dental y de la confección y el vendedor de cosméticos durante 2 años y medio. Hernández es madre de dos niños pequeños de 10 y 4 años de edad para los que trabaja muy duro. Ella va a invertir el préstamo en mercadería de ropas aprovechando la temporada

Los otros miembros del grupo son Rosa María B., el vendedor de los productos Oriflame, y Yessenia Zeledón Guerrero, quien tiene una pequeña tienda de abarrotes. Ella quiere seguir trabajando y salir adelante.

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,065,800
    Funds lent in using Kiva
  • 21.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Oriflame Group's $1,125 loan helped a member threads and cosmetics.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Nov 12, 2010
Nov 20, 2010
Currency Exchange Loss:
May 15, 2011