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Rios De Agua Viva Group
In this Group: Eufemia, Jessenia, Zoila
The group Rio de Agua Viva is made up of three hardworking and entrepreneurial women. One of them is Zoila who has been a storekeeper of costume jewelry and clothing for 15 years. She began this business with a small stretch in Managua's most populous market, and she now also has a store in her home.

She is single and has an 11-year-old daughter. Her goal is to complete her university studies and she is currently completing her thesis.

The other members of the group are 53-year-old Eufemnia and 30-year-old Yesica, both of whom have been selling costume jewelry for 15 years.
View original language description ↓
El grupo Rio de agua viva está conformado por tres mujeres trabadoras y emprendedoras una de ellas es Zoila quien es comerciante de bisutería y ropa desde hace 15 años. Este negocio lo inicio con un pequeño tramo en el mercado más populoso de Managua y ahora también tiene una tienda en su casa.
Ella es soltera y tiene una niña de 11 años y su meta es terminar sus estudios universitarios actualmente está terminando su tesis.
Las otras integrantes son Eufemia de 53 años de edad y Yessenia de 30 años de edad quienes desde hace 15 años comercializan bisutería.

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
  • 78
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Rios De Agua Viva Group's $1,425 loan helped a member to buy costume jewelry.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 30, 2012
Apr 18, 2012
Currency Exchange Loss:
Oct 15, 2012