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Los Madrugadores Group
In this Group: María Marcela, Edmundo , Silvia Elena
The coordinator of this communal bank is Señora Maria. She is married and is 34 years old. She is the mother of two children, ages 20 and 14. She makes and sells tortillas in her home and has the help of her older daughter to make this product. She is thinking of investing the loan in the purchase of basic materials such as corn, lime, and firewood to increase her sales and with that to obtain more benefits in her business as well as in her personal life.

The group is also formed by Señor Edmundo, who is 54 years old and sells food, specializing in soup, and Señora Silvia, who is 41 years old and sells Avon cosmetic products.
View original language description ↓
Coordinado por la señora María casada y de 34 años de edad, madre de dos hijos de las edades de 20 y 14 años, se dedica a la elaboración y venta de tortilla en su domicilio y cuenta con la ayuda de su hija mayor para la elaboración de dicho producto, el crédito lo piensa invertir en la compra de materia prima como es el maíz, cal, leñas para aumentar las ventas y consigo obtener más beneficios tanto en el negocio como en lo personal. También lo conforman el grupo el señor Edmundo de 54 años de edad dedicado a la venta de comida con especialidad en sopas y la señora Silvia de 41 años dedicada a la venta de productos de cosméticos de la AVON.

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
  • 95
    View loans »
    Nicaragua Loans Fundraising
  • $24,753,075
    Funds lent in using Kiva
  • 26.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Los Madrugadores Group's $925 loan helped a member to invest in 100-lb sacks of corn, lime, firewood, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 7, 2014
Mar 23, 2014
Currency Exchange Loss:
Oct 17, 2014