This group is made up of three enterprising members, one of whom is 38-year-old Yamileth. She has a partner and two children, aged 13 and 10 years old. Yamileth has had a business selling underwear for six years, and has been a member of the communal bank for that same amount of time. She needs this loan to invest in clothes, such as men's and women's trousers, shirts, blouses, bikinis, bras, panties, socks, and more. Martha is 56 years old and has a grocery store, while Oneyda is 30 years old and has a business selling food and fizzy drinks.
Este grupo está formado por tres socias emprendedoras una de ellas es Yamileth mujer 38 años de edad, acompañada, con dos hijos menores de 13 y 10 años. Su negocio es la ropa interior desde hace 6 años, tiene de ser cliente de la institución 6 años. El crédito lo requiere para invertir en comprar ropa como pantalones de varón, de mujer, camisas, blusas, bikinis, brasieres, blúmer, medias, etc. Martha mujer de 56 años de edad su negocio es una pulpería y Oneyda mujer de 30 años de edad se dedica al negocio de la venta de comida y gaseosas.
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.