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Santo Tomas Group
In this Group: Lucia , Angela , Maria
The "El Santo Tomas" group is made up of three enterprising and hard-working people. Angela is the coordinator of the group. She is 30 and sells clothing, especially for children and teens. She started this business with her mother-in-law, who is the one who travels and sends her the merchandise.

She is the mother of three children, ages 10, 6, and 4. Her goal is to manage to have a store.

The other members are María Carlota who sells air fresheners, and has a fried food stall on weekends; and Lucía who sells clothing, shoes, and cosmetics.
View original language description ↓
El grupo Santo Tomas lo conforman tres personas trabajadoras y emprendedoras la coordinadora del grupo es la señora Ángela de 30 años quien se dedica al comercio de ropa en especial de niños, niñas y adolescentes. Ella inicio este negocio junto con su suegra la cual viaja y manda la mercadería, esto logro por los créditos ya que antes pedían la mercadería.
Esta madre de tres niños de 10, 6 y 4 años tiene la meta lograr tener una tienda.
Las otras integrantes son María Carlota quien comercializa ambientadores y tiene una fritanga los fines de semana y Lucia vende ropa, zapatos y cosméticos.

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
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,770,775
    Funds lent in using Kiva
  • 23.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Santo Tomas Group's $2,175 loan helped a member to buy merchandise such as children's clothing.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Feb 24, 2012
Mar 12, 2012
Currency Exchange Loss:
Dec 15, 2012