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Luz De Mi Camino Group
In this Group: Ilsia Maria, Sonia Del Carmen, Filomena Del Consuelo
This group consists of three members. One of them is Filomena, a 42-year-old woman who is married and has two children (ages 23 and 20). She has been in the business of selling new and used clothing for four years. Filomena has been a client of ADIM for one year. The loan she is requesting will be invested in the purchase of new and used clothing such as skirts, blouses, trousers, T-shirts, ¾ sleeve shirts, shorts, as well as bath towels, wood carvings, and all types of women’s sandals.

Sonia is a 32-year-old woman who has a business of selling new clothing, trinkets, and perfumes. Ilsa is 35 years old and has a business of selling Onlife natural products and Victoria’s Secret merchandise.

View original language description ↓
Este grupo está formado por tres socias una de ellas es Filomena mujer de 42 años de edad, casada con dos hijos de 23 y 20 años. Su negocio es venta de ropa nueva y usada desde hace 4 años, tiene de ser cliente de la institución 1 año y el crédito lo solicita para invertir en comprar ropa nueva y usada como faldas, blusas, pantalones, camisetas, camisas, tollas de baño, talladores, chores, camisas mangas tres cuartas, etc. y sandalias de todo estilo para dama. Sonia mujer de 32 años y su negocio es la venta de ropa nueva, bisutería, perfumes y Ilsa tiene 35 años de edad y su negocio es la venta de productos naturales onlife y victoria secret.

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
  • 97
    View loans »
    Nicaragua Loans Fundraising
  • $24,800,300
    Funds lent in using Kiva
  • 25.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Luz De Mi Camino Group's $1,200 loan helped a member to buy skirts, blouses, trousers, T-shirts, ¾ sleeve shirts, shorts, as well as bath towels, wood carvings, and all types of women’s sandals.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 19, 2013
Jul 20, 2013
Currency Exchange Loss:
Jan 18, 2014