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Apocalipsis 3; 20 Group
In this Group: Maria Auxiliadora, Jenovis Alejandra, Walter Jose
This group is made up of three entrepreneurs. Maria is one of them and she sells cheese and used clothing out of her home. She’s done this for 10 years, is 39 years old and a widow. She will use the money from this loan to buy a variety of new clothing and cheeses. Jenovis is another partner and her business is selling Avon and Walter cosmetics. She also has a shoe repair shop in her home.
View original language description ↓
Este es un grupo formado por tres socios emprendedores una de ellas es María que vende queso y ropa usada en su domicilio desde hace 10 años. Es una viuda con 39 años de edad. El crédito lo invertirá en la compra de ropa nueva, y variada, queso también, Jenovis es otra socia su negocio es la venta de cosméticos de la Avon y Walter tiene un taller de calzado 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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Apocalipsis 3; 20 Group's $600 loan helped a member to buy clothing and cheese.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Dec 28, 2012
Mar 1, 2013
Currency Exchange Loss:
May 17, 2013