24-year-old Hazzel, who is the single mother of a child of 4, is an enterprising microentrepreneur. She has been selling new clothing and Avon cosmetics, on credit and for cash, for 5 years. She will use the loan to buy Avon cosmetics such as hand cream, foot cream, facial cream, deodorants, masculine and feminine fragrances etc.
Hazzel es una mujer emprendedora microempresaria tiene 24 años de edad, soltero madre de un hijo de 4 años tiene cinco años de vender ropa nueva, cosméticos de la Avon, al crédito y al contado, el crédito lo invertirá en la compra de cosméticos de la Avon como cremas para manos, cremas para pies, cremas faciales, desodorantes, perfumen de varón, perfumen de mujer, etc.
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.