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Bertha Calderon Group
In this Group: Karla , Mariela, Carolina Nubia

Update on Bertha Calderon Group

The Bertha Calderón group consists of three hardworking and enterprising women. One of them is Karla Elizabeth, who works selling beans, soda, ice, clothing, and cosmetics, a little bit of everything. She will invest the loan in clothing. Her goal is to install a small grocery store.

She has three children, ages 18, 16, and 7. The older ones help her in the business in their spare time, as does her husband.

The other members are Mariela de los Ángeles, who has sold snacks and sodas for four years, and Carolina, who sells beans and corn.
View original language description ↓
El grupo Bertha Calderon está conformado por tres mujeres trabajadores y emprendedoras una de ellas es Karla Elizabeth quien se dedica a la venta de frijoles, gaseosas, hielo, ropa y cosméticos de todo un poco. El crédito lo invertirá en ropa y su meta es poner una pequeña pulperia.
Ella tiene tres hijos de 18, 16 y 7 años, los mayores le ayudan en el negocio en su tiempo libre junto a su esposo.
Las otras integrantes son Mariela de los Ángeles quien vende chiverías y gaseosas desde hace 4 años y Carolina quien vende frijoles y elotes.

Previous Loan Details

The Bertha Calderón group consists of three hardworking and entrepreneurial women. One of these is Carla who sells prepared beans, soft drinks and clothing for children up to 6 years of age. She will use the loan to buy sandals in Masaya since she wants to start selling these items. She has th... More from Bertha Calderon Group's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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
  • 66
    View loans »
    Nicaragua Loans Fundraising
  • $25,102,875
    Funds lent in using Kiva
  • 23.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Bertha Calderon Group's $775 loan helped a member to buy clothing.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Feb 7, 2012
Feb 26, 2012
Currency Exchange Loss:
Aug 16, 2012