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Emprendedoras Group
In this Group: Yelba Del Socorro , María Auxiliadora
The "Emprendedoras" group has three hardworking, enterprising members. One of them is María Auxiliadora who has been a teacher for many years and for the last ten years has had a modest school for English learning. She also started to sell cosmetics six years ago.

She will invest the loan in both businesses buying display cases and cosmetics. Her goal is to set up a store. She used the previous loan to improve her school's condition.

The other group members are Yelba who has sold clothes, comforters, shoes, bedspreads, costume jewelry, etc. for the last 16 years and Manuel who has been a dog trainer for 20 years and has sold lottery tickets for the last 10.
View original language description ↓
El grupo Emprendedoras lo conforman tres personas trabajadoras y emprendedoras una de ellas es María Auxiliadora quien es docente desde hace varios años y tiene una modesta escuela de reforzamiento en la materia de inglés dese hace 10 años. También ellas venta de cosméticos negocio que emprendió hace 6 años.
Ella invertirá el crédito en ambos negocios con la compra de inmobiliarios y cosméticos. Su meta es poner una tienda. Con el crédito anterior logro mejorar las condiciones de su escuela.
Las otras integrantes son Yelba se dedica al comercio de ropa, cobertores, zapatos, colcha, bisuteria…etc. Desde hace 16 años y Manuel es entrenador canino desde hace 20 años y vende loterías desde hace 10 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
  • 75
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 23.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Emprendedoras Group's $1,650 loan helped a member to buy display cases and cosmetics.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 24, 2012
Mar 13, 2012
Currency Exchange Loss:
Dec 15, 2012