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Las Puntuales Group
In this Group: Karen Lisseth , Jhoselyng Maria, Alejandrina
This group is formed by three members, one of whom is Karen. She is 23 years old and single and for five years she has sold cosmetics from Avon, Vogue, and Zermat. She is requesting the loan to buy cosmetics such as hand and face cream, perfume, cologne, etc.

Jhoselyng sells used clothing, and Alejandrina sells vegetables in her house and Avon cosmetics.
View original language description ↓
Este grupo está formado por tres socias una de ellas es Karen tiene 23 años es soltera y desde hace cinco años se dedica a vender cosméticos de la Avon, Vogue, Zermat el crédito lo solicita para la compra de cosméticos como crema para mano y cara, perfumen, colonia etc. Jhoseling vende ropa usada, Alejandrina vende verduras en su casa y cosméticos de la Avon.

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,065,800
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Puntuales Group's $950 loan helped a member to buy Avon cosmetics such as hand cream, face cream, perfume, cologne, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 29, 2012
Dec 1, 2012
Currency Exchange Loss:
May 17, 2013