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Carpinteria Group
In this Group: Carmen Del Socorro, Teresa Del Carmen , Norma Lyliam
This group was formed by three enterprising women. Teresa is one of them and she has been selling Avon cosmetics for six years. She is single and sells her products to her neighbors. She will use the money from this loan to buy cosmetics such as perfumes, colognes, eye liners, nail polish, lipstick, hand and body creams, etc.

Norma has a small carpentry shop in her home. Carmen sells firewood and rents Nintendo games.
View original language description ↓
Grupo formado por tres socias emprendedoras una de ellas es Teresa que vende cosméticos de la Avon desde hace 6 años, es una mujer soltera y los comercializa a vecinos de su comunidad. El crédito lo invertirá en la compra de cosméticos como perfume de dama, perfume de caballeros, delineadores, pintura de uñas, pinturas de labios, crema para manos, crema para cuerpo, etc. Norma tiene un pequeño taller de carpintería en su domicilio y Carmen vende leña y tiene alquiler de nintendo.

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
  • 67
    View loans »
    Nicaragua Loans Fundraising
  • $25,083,825
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Carpinteria Group's $1,050 loan helped a member to buy cosmetics.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Dec 18, 2012
Feb 1, 2013
Currency Exchange Loss:
Jul 17, 2013