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Jeremias Group
In this Group: Johana Carolina, Juana Yahaira, Dina Emerita
This group is comprised of three enterprising members. One of them is Juana, 37. She has a spouse and four children. She’s been selling Avon and Vogue cosmetics and new clothes for four years. She’s been getting loans from the institution for three years that she’s repaid responsibly. Her oldest daughter helps her with the business selling and collecting payments from customers. She used to work as a cook in a kiosk in a state institution. With her previous loan she was able to increase her inventory of cosmetics. The loan she’s requesting will be used to buy Avon cosmetics like face cream, hand cream, body cream, lotion, men’s perfume, women’s perfume, nail polish, lipstick, eyeliner, etc.

Johana, 36, has a grocery store and also sells used and new clothes and Dina sells apples, electronic devices and hardware like extension cords, padlocks, etc.
View original language description ↓
Este grupo está formado por tres socias emprendedoras una de ellas es Juana tiene 37 años de edad, acompañada, tiene cuatros hijos desde hace 4 años se dedica a vender cosméticos de la Avon, Vogue, y venta de ropa nueva, tiene tres años de que la institución le brinda créditos que a pagado con responsabilidad, su hija mayor le ayuda en el negocio a vender y recuperar los créditos de los productos a la clientela, anteriormente trabajaba como cocinera de un kiosco de una institución estatal, con el préstamo anterior logro incrementar sus inventario de cosméticos, el crédito lo solicita para compra de cosméticos de la Avon como cremas faciales, crema para manos, cremas para cuerpo, lociones, perfumen de varón, perfumen de mujer, pinturas de uñas, pinturas labios, delineadores etc. Johana tiene 36 años de edad tiene una pulpería y vende ropa usada y ropa nueva y Dina vende manzanas, artículos eléctricos y ferreteros como extensión, candados etc.

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
  • 75
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Jeremias Group's $2,100 loan helped a member to buy Avon products.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Feb 28, 2013
Apr 2, 2013
Currency Exchange Loss:
Nov 17, 2013