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El Mar Group
In this Group: Dina Guadalupe, Anyuli , Martha Lizbeth
The group "El mar" is composed of three hardworking and enterprising people. One of them is 39-year-old Dina, who has a neighborhood market that she started eight years ago by selling snacks. In addition, she has invested in other areas, like the sale of clothing and cosmetics; it is in that business that she will invest this loan.

The other members are Anyuli, who has been making "melcocha" (a traditional sweet) for eight years, and Martha, who sells "yoltamal y elotes" [sweet corn-and-cheese tamales and corn on the cob].
View original language description ↓
El grupo el Mar lo conforman tres personas trabajadoras y emprendedoras una de ellas es Dina de 39 años de edad quien tiene una pulpería la cual inicio hace 8 años con la venta de chiverías. Además ha invertido en otros rubros como es la venta de ropa y cosméticos negocio en el que invertirá el crédito.
Las otras integrantes son Anyuli quien elabora melcocha (dulce tradicional) desde hace 8 años y Martha quien vende Yoltamal y Elotes.

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
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,420,300
    Funds lent in using Kiva
  • 23.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of El Mar Group's $975 loan helped a member to buy clothing and cosmetics merchandise.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 30, 2012
Aug 7, 2012
Currency Exchange Loss:
Jan 19, 2013