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Reintegracion Group
In this Group: María , Ingrid , Cocepción

Update on Reintegracion Group

The group “Reintegración” (Reintegration) consists of three hardworking and enterprising individuals. One of the is María Elena who has been selling clothing, cosmetics, and jewelry for more than 10 years. Her loan will be invested in the purchase of merchandise so that she can expand her business.

The other members are as follows:
• Concepción works as a seamstress and also sells sewing materials.
• Ingrid also works as a seamstress.

View original language description ↓
El grupo Reintegración está conformado por tres personas trabajadoras y emprendedoras una de ellas es María Elena quien vende ropa, cosméticos y prendas más de 10 años. El crédito lo invertirá en la compra de mercadería para agrandar el negocio.
Las otras integrantes son Concepción quien trabaja cociendo y vende material de costura; e Ingrid quien se dedica a la costura.

Previous Loan Details

The Reintegracion group is made up of four hard-working and enterprising women. The coordinator is Mrs. Maria Elena, age 42, who has sold clothing and shoes for 7 years. She started this business with her savings and it has been growing. Her dream is to have a store in her home. The other membe... More from Reintegracion Group's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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
  • 96
    View loans »
    Nicaragua Loans Fundraising
  • $24,742,900
    Funds lent in using Kiva
  • 23.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Reintegracion Group's $1,275 loan helped a member to buy merchandise such as clothing, cosmetics, and jewelry.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jun 22, 2012
Aug 3, 2012
Currency Exchange Loss:
Dec 15, 2012