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Camino Al Exito Group
In this Group: Martha Del Carmen , Dulce Maria , Pantaleon Jose, Jerald Jose

Update on Camino Al Exito Group

30-year-old Jerald, who is the group's coordinator, is married and has an 18-month-old baby. He makes a living selling cosmetics (perfumes, lipsticks, nail varnish) and also sells new clothing. This is a new business which he is starting up, for which reason he is keen to invest in a variety of clothing for men, women, children and adolescents. He also wants to buy cosmetics such as men's and women's perfumes, lotions, hand creams, body creams, make-up, face cream etc.

The other members of the group are Martha, who is 49 and sells cosmetics, Dulce who is 52 and sells shoes and 55-year-old Pantaleón who build houses.
View original language description ↓
Coordinado por el señor Jerald de 30 años de edad, casado y padre de un bebé de 18 meses, se dedica a distribuir cosméticos ( perfumes, pinturas labiales, pinturas de uñas), además vende de ropa nueva, éste es un nuevo negocio que está impulsando, motivo que le anima a invertir en variedad de ropas de niños, hombres, mujeres y adolescentes, también en invertir en cosméticos como perfumes de damas, perfumes de varón, lociones, cremas para manos, cremas para cuerpos, maquillajes, cremas faciales etc. Los otros integrantes del grupo son Martha de 49 años dedicada a la venta de cosméticos, la señora Dulce de 52 años dedicada al negocio de la zapatería y el señor Pantaleón de 55 años dedicado a la construcción de casas.

Previous Loan Details

This group is comprised of 4 hardworking members, one of whom, Jerald, is 29 years old, married, and has one little boy in his care. His business is selling clothes, cosmetics, and costume jewelry and he has been doing this for 15 years. He is requesting a loan to buy inventory such as women's pe... More from Camino Al Exito 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
  • 62
    View loans »
    Nicaragua Loans Fundraising
  • $25,382,700
    Funds lent in using Kiva
  • 25.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Camino Al Exito Group's $2,350 loan helped a member to buy cosmetics, such as men's and women's perfumes, body lotion, lipstick, nail varnish, and new clothing.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Feb 28, 2014
Mar 18, 2014
Currency Exchange Loss:
Sep 17, 2014