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El Trebol Group
In this Group: Silvia Elena, Norlan Antonio, Jose Luis

Update on El Trebol Group

This group consists of three determined members. One of them is José. He is 38 years old, in a relationship, and has two children. His business is a bakery that he has managed for five years. José has been a client of ADIM for one year. The loan he is requesting will be used to buy supplies such as flour, yeast, shortening, sugar, margarine, butter, corn, jelly, firewood, and bags.

Silvia is a 46-year-old woman who has a shoemaking business. Norlan is 28 years old and has a business of selling clothes.
View original language description ↓
Grupo formado por tres socios luchadores uno de ellos es José hombre de 38 años, acompañado, con dos hijos, su negocio es una panadería desde hace 5 años. Tiene de ser cliente de la institución 1 año. El crédito lo solicita para la compra de materia prima como harina, levadura, manteca, azúcar, margarina, mantequilla, borona, jalea, leña, bolsas. Silvia mujer de 46 años su negocio es zapatería y Norlan tiene 28 años su negocio es la venta de ropa.

Previous Loan Details

This is a group consisting of three members, entrepreneurs, each with his own business. One of them is José Luis, 38, who has a spouse and two minor children. His business is a home-based bakery he’s had for four years. He will use the loan to buy raw materials like flour, yeast, sugar, cinnam... More from El Trebol Group's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,390,325
    Funds lent in using Kiva
  • 25.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of El Trebol Group's $1,500 loan helped a member to buy flour, yeast, shortening, sugar, margarine, butter, corn, jelly, firewood, and bags.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Nov 25, 2013
Dec 20, 2013
Currency Exchange Loss:
Jul 17, 2014