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Estrella Del Norte Group
In this Group: Angela Del Carmen , Angela Del Carmen , Ana Eduviges, Lili Sandre, Judith Paola, Maria Elena
This group is made up of six members. Angela has been selling gold and silver jewelry and Zermat perfume for nine years. She is married and has an 18 year old son. She began selling cosmetics and little by little, with her earnings, began buying jewelry. She will use the money from this loan to buy gold and silver jewelry. Angela sells shoes and new clothing. Lili sells Avon cosmetics and new clothing. María Helena sells silver jewelry. Judith has a grocery store in her home. Ana sells new clothing and shoes.
View original language description ↓
Es un grupo formado por seis socias, Angela se dedica a comercializar prendas de plata, prendas de oro, y perfume de la Zermat, desde hace 9 años, es casada y tiene un hijo de 18 meses, inicio vendiendo cosméticos y poco a poco con las ganancias fue comprando prendas en menor escala. El crédito lo invertirá en la compra de prendas de oro y prendas de plata. Angela vende zapatos y ropa nueva, Lili vende cosméticos de la Avon, ropa nueva, María Helena vende prendas de platas, Judith tiene una pulpería en su domicilio y Ana vende ropa nueva y zapatos.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,406,150
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Estrella Del Norte Group's $3,300 loan helped a member to buy jewelry.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 9, 2012
Jan 1, 2013
Currency Exchange Loss:
May 17, 2013