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Las Mañanitas Group
In this Group: Walkiria, Gloria, Martha
The “Las Mañanitas” group is composed of three hardworking, enterprising women. One of them is Walkiria, 41, who has been selling toys, decorations and artificial flowers in a small stand in the market. She has two employees and will use the loan to buy flowers and toys.

The other group members are Gloria de los Ángeles, 20, who has been selling clothes and footwear for the last 6 years and Martha Raquel, 27, who has been selling cleaning supplies and cosmetics for the last three years.
View original language description ↓
El grupo las mañanitas lo conforman tres mujeres trabajadoras y emprendedoras una de ellas es Walkiria de 41 años quien es comerciante de Juguetes, adornos y Florecillas artificiales desde hace 10 años en un pequeño puesto del mercado. Ella cuenta con dos trabajadores e invertirá el crédito en florescillas y juguetes.
Las otras integrantes son Gloria de los Ángeles de 20 años quien vende ropa y calzado desde hace 6 años y Martha Raquel de 27 años quien vende productos de limpieza y cosméticos desde hace 3 años.

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
  • 62
    View loans »
    Nicaragua Loans Fundraising
  • $25,382,700
    Funds lent in using Kiva
  • 22.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Mañanitas Group's $1,200 loan helped a member to buy flowers and toys.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 18, 2011
Oct 27, 2011
Currency Exchange Loss:
Apr 15, 2012