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Estrella De Luz Group
In this Group: Yessenia Aurora, Marlene, Zeneyda
The group Estrella de Luz [Starlight] is made up three hardworking women. One of these women is Yessenia Aurora T. T., who has sold clothing, cosmetics, and dairy products for 10 years. She started without much merchandise, but with time, hard work, and loans, she has grown her business.

The other members of the group are Marlene M. Moreno who owns an inn and Zeneyda Margarita Velásquez who owns a small convenience store.
View original language description ↓
El grupo Estrella de Luz lo conforman tres mujeres trabajadoras una de ellas es la señora Yessenia Aurora T. T. quien vede ropa, cosméticos y chiverías desde hace 10 años. Ella inicio con poca mercadería y con el tiempo su ardua labor y los prestamos su negocio ha ido creciendo.
Las otras integrantes del grupo son Marlene M. Moreno propietaria de una venta y Zeneyda Margarita Velásquez propietaria de una mini pulpería.

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
  • 107
    View loans »
    Nicaragua Loans Fundraising
  • $24,828,400
    Funds lent in using Kiva
  • 22.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Estrella De Luz Group's $925 loan helped a member purchase clothing and cosmetics.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 21, 2011
Jan 27, 2011
Currency Exchange Loss:
Aug 15, 2011