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Enma Lulu

Update on Enma Lulu

Emma is a successful woman in her work life. She is 62 years old, married, and is the owner of a shop in her home. Her husband helps her in purchasing products as well as in sending the offered products.

She needs this loan to buy products like bread, large bottle of purified water, soft drinks, oil, cakes, and everything she offers at the shop. She has plans to expand the business and covert it into a mini-mart. This is why she wants this loan and is asking for help.
View original language description ↓
La socia Emma es una mujer exitosa en su vida laboral, tiene la edad de 62 años, está casada y es propietaria de una pulpería en su domicilio, cuenta con la ayuda de su esposo para la compra de los productos, así mismo le ayuda a despachar los productos ofrecidos, el crédito lo requiere para la compra de productos como es pan, agua purificada por bidón, gaseosas, aceite, tortas, y todo lo que se ofrece en la pulpería. La socia se ha propuesto aumentar su negocio y lograr convertirlo en una miscelánea, por tal razón la socia quiere el crédito y pide que se le ayude.

Previous Loan Details

Enma, 60, is an enterprising woman. She's married and has two children in her care, ages 38 and 14. Her business is a grocery store located in her house for the last 10 years. Her husband helps her. She has been a client of the institution for a year. She'll invest the loan in buying bas... More from Enma Lulu'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.


About Nicaragua

  • $4,800
    Average annual income
  • 81
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 27.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Enma Lulu to buy supplies such as bread, purified water, soft drinks, oil, etc.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Mar 19, 2014
Apr 25, 2014
Currency Exchange Loss:
Dec 17, 2014