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Mujeres De Agua Viva Group
In this Group: Julia, Grethel, Yenis
The group, Women of the Water, is made up of three enterprising and hardworking women. One of these women is Julia del Carmen who works at various commercial enterprises. She sells Movistar or Claro telephone credit cards, clothes, shoes and fresh food. She started this business three years ago with her savings from hard work and her investment has been growing.
She will use this loan to buy cosmetics, treatments, etc. in order to stock supplies for Mother’s Day.
The other members of the group are Grethal who sells makeup and has had a small beauty salon for the past two years and Jenny de Los Angeles who sells clothes, jewelry, makeup, purses, shoes and notebooks.
View original language description ↓
El grupo Mujeres de Agua Viva lo conforman tres mujeres trabajadoras y emprendedoras una de ellas es Julia del Carmen quien se dedica al comercio variado que va desde vender recargas de teléfono movistar o claro, ropa, zapatos, frescos, lo cual inicio hace 3 años con unos ahorro, por medio de su arduo trabajo y los créditos ha ido aumentando.
Ella invertirá el crédito en la compra de cosméticos, tratamientos…etc. para realizar rifas para el día de las madres.
Las otras integrantes son Grethel quien vende esquimo y un modesto salón de belleza hace 2 años y Jenny de los Ángeles quien vende ropa, bisutería, maquillaje, bolsas, zapatos y cuadernos.

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
  • 70
    View loans »
    Nicaragua Loans Fundraising
  • $25,034,300
    Funds lent in using Kiva
  • 23.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Mujeres De Agua Viva Group's $850 loan helped a member to buy cosmetics, treatments and other products to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 16, 2012
Jun 5, 2012
Currency Exchange Loss:
Oct 15, 2012