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El Cielo Group
In this Group: Elyin Patricia, Benicia Victoria , Luz Marina
This communal bank was formed by three members with microbusinesses. One of them is Benicia Victoria, who is 60 years old. She has had a grocery store for 11 years. She is married and has two adult children. She herself tends to the business. She has been in the communal bank for 4 consecutive years. She will invest the loan in the purchase of staple products such as rice, oil, sugar, bath soap, dish-washing soap, popular medicines, etc.

Elyin Patricia has a little glass workshop in her home, where she makes and repairs glass items. Luz Martina sells clothing and cosmetics.
View original language description ↓
Microempresarias formada por tres socias una de ellas es Benicia Victoria de 60 años quien tiene una pulpería desde hace 11 años es casada con dos hijos mayores quien ella misma atiende el negocio, de estar en la institución lleva 4 años consecutivo el crédito lo invertirá para la compra de granos básicos como arroz, frijoles, aceite, azúcar, jabón de baños, jabón de lavar trastes, medicamentos populares etc. Elyin Patricia tiene un pequeño taller de espejo lo cual fabrica y repara al mismo tiempo en su domicilio, Luz Marina vende ropa y cosméticos.

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
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of El Cielo Group's $1,400 loan helped a member to invest in the purchase of staple products such as rice, beans, sugar, oil, bath soap, dish-washing soap, etc., for her store.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Sep 21, 2012
Nov 1, 2012
Currency Exchange Loss:
May 17, 2013