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Las Puntuales Group
In this Group: María Mercedes, Jhoselyng María, Karen Lisseth, Alejandra Karina
The Las Puntuales group is made up of four hardworking and enterprising women. One of them is Joselyn, who is 23 years old. She sells clothing. She started this business 3 years ago with orders from customers and little by little she established her clientele. Right now, she will invest the loan in buying merchandise. She is married and has a 4 month old baby. Her goal is to build her house. The other members are Karen, who is 23 years old and sells cosmetics, Maria Mercedes, who has sold clothes for 8 years, and Alejandra, who has sold cosmetics for 5 years.
View original language description ↓
El grupo las puntuales lo conforman cuatro mujeres trabajadoras y emprendedoras una de ellas es Joselyn de 23 años de edad quien se dedica al comercio de ropa. Este negocio lo inicio hace 3 años con los pedidos de los clientes y poco a poco realizó su clientela actualmente invertirá el crédito en la compra de mercadería.
Ella es casada y tiene un bebe de 4 meses y su meta es construir su casa.
Las otras integrantes son Karen de 23 años quien vende cosméticos, María Mercedes quien vende ropa desde hace 8 años y Alejandra quien vende cosméticos desde hace 5 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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,075,600
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Puntuales Group's $1,575 loan helped a member to buy clothing merchandise, mainly summer clothing for the season.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 20, 2012
Apr 15, 2012
Currency Exchange Loss:
Oct 15, 2012