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Los Tres Pinos Group
In this Group: Margarita Del Carmen , Pedro Jose, Maria Del Carmen
This group is comprised of three successful entrepreneurs. Margarita, age 49, is one of them. She is married and has two children who help her in the business. She has been buying and selling harvests for ten years. She is a farmer, and her husband grows crops like corn and beans, etc. He helps support the household.

She has four pigs at home that she is raising in order to sell. She has been a client of the institution for five years. The previous loans have served in her growth, because she now buys a variety of products.

She will use this loan to buy tamarind harvests, mango harvests, and pumpkins, etc.

María, age 34, has a grocery store business in her home. Pedro José, age 43, has a business selling clothes.
View original language description ↓
Este grupo está formado por tres socios emprendedores de éxito, una de ellas es Margarita tiene 49 años de edad, casada, tiene dos hijos que le ayudan en el negocio, tiene 10 años de comprar y vender cosechas y se dedica a la agricultura, su esposo siembra granos como maíz, frijoles etc. quien apoya en el sustento del hogar, en su domicilio tiene cuatros cerdos de crianzas para la comercialización, es cliente de la institución cinco años los créditos anteriores les han servido en su crecimiento por que ahora compra variedad de productos, este crédito lo invertirá en la compra de cosechas de tamarindo, cosechas de mangos, pipián etc. María tiene 34 años de edad su negocio es una pulpería en su domicilio y Pedro José tiene 43 años y su negocio es la venta de ropa.

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
  • 74
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Los Tres Pinos Group's $1,750 loan helped a member to buy tamarind harvests, mango harvests, and pumpkins, etc.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Apr 26, 2013
May 22, 2013
Currency Exchange Loss:
Dec 20, 2013