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El Futuro Group
In this Group: Celia , Marta Elena , Martha Salvadora, Ruth Del Socorro
There are four members, and they are all from Masaya. Marta Elena is one of them. She has been selling Avon cosmetics to neighbors close to her community for three years.

She will use the loan to buy Avon cosmetics like perfume for men and women, lotion, hand cream, body cream, hair cream, and hair gel, etc.

Celia is another member. Her business is butchering pigs and selling food. Martha sells tortillas and fried snacks at her house. Ruth sells bread and soup at her house on the week-ends.
View original language description ↓
Socias formadas por cuatro miembros todas originarias de Masaya, una de ellas es Marta Elena tiene tres años de comercializar cosméticos de la Avon, a sus vecinos cercanos a su comunidad, el crédito lo invertirá en la compra de cosméticos de la Avon como perfumen de dama y caballeros, lociones, cremas para manos, crema para cuerpos, crema para el pelo, gel para el pelo etc. Celia es otra miembro su negocio es el destace de cerdo y venta de comida, Martha vende tortilla y fritanga en su domicilio y Ruth vende pan y sopa los fines de semanas en su domicilio.

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
  • 65
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of El Futuro Group's $2,175 loan helped a member to buy Avon cosmetics like perfume for men and women, lotion, hand cream, body cream, hair cream, and hair gel, etc.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Dec 20, 2012
Feb 1, 2013
Currency Exchange Loss:
Sep 27, 2013