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Lluvia De Amor Group
In this Group: Ninoska, Xiomara, Luisa
The group "Lluvia de Amor" is made up of 3 dedicated, hardworking and enterprising women. One of these is Ninoska Pena, who since the time she was very young has been selling plants in the northern part of the country. With the loan, she will buy ornamental plants in Catarina to later take to the north to sell. The other members of the group are Xiomara R., who sells plants on the island of Ometepe, and Luisa H., who has a business selling fruits and vegetables. Luisa will use her loan to buy produce.
View original language description ↓
El grupo Lluvia de Amor lo conforman tres mujeres trabajadoras, esforzadas y emprendedoras una de ellas es la señora Ninoska P. quien desde muy joven se dedica al comercio de plantas las cuales vende en el norte del país.
Ella con el crédito comprar plantas ornamentales en Catarina para luego ir al norte a vender.
Las otras integrantes del grupo son Xiomara R. quien comercializa plantas en la isla de Ometepe y Luisa Hernández quien se dedica al comercio de las frutas y verduras e invertirá su crédito en la compra de cosechas.

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
  • 91
    View loans »
    Nicaragua Loans Fundraising
  • $25,011,000
    Funds lent in using Kiva
  • 22.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Lluvia De Amor Group's $775 loan helped a member to purchase ornamental plants.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 12, 2011
Apr 20, 2011
Currency Exchange Loss:
Sep 15, 2011