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Mujeres De Valor Group
In this Group: Carla Patricia , Silvia Janet , Juliana

Update on Mujeres De Valor Group

This group is made up of three hard working members, with Juliana, 51, the coordinator. She has a grocery store in her house and sells Avon cosmetics. She has had these two businesses for five years. She needs the loan to buy stock for her store. She will buy rice, frijoles, oil, medicine such as ranitidine, panadol and Andrews salts. She will also buy cosmetic products such as lipstick, nail varnish and perfume for women and men. These products are those that are in demand in her area.

Another of the members is Silvia, 36, who sells underwear in her community and at the local market. The other is Carla, 34, who has a fried food stall every weekend with soup every Sunday. These members do different jobs to earn a living and look after the household.
View original language description ↓
Este grupo está formado por tres socias trabajadoras, coordinado por la señora Juliana de 51 años de edad, soltera, quienes propietaria de una pulpería en su domicilio y cosméticos de la AVON, esto negocios los tiene desde hace cinco años atrás, por este motivo requiere el crédito para surtir el negocio con productos como arroz, frijoles, aceite, azúcar, pastillas varias como ranitidinas, panadol, sal Andrew, así mismo cosméticos como vanidad, pinturas labial, pinturas de uñas y perfumes de damas y caballeros, por ser lo que la comunidad más demanda. Otra de las socias es la señora Silvia de 36 años comerciante de ropa interior en su comunidad y mercado local, y la señora Carla de 34 años propietaria de una venta de fritanga todos los fines de semana sopa los días domingo. Esta socias elaboran actividades diferentes para ganarse el pan de cada día y así mantener el hogar.

Previous Loan Details

Juliana is one of three members of the group. She is 50 years old, single and raising two children. Her business is a general store located in her business for 5 years. She needs the loan to stock her business more and buy basic grains wholesale such as rice, as well as sugar, oil, soap, toilet p... More from Mujeres De Valor 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
  • 96
    View loans »
    Nicaragua Loans Fundraising
  • $25,011,000
    Funds lent in using Kiva
  • 27.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Mujeres De Valor Group's $1,075 loan helped a member to buy various goods for her grocery store.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Mar 25, 2014
Apr 27, 2014
Currency Exchange Loss:
Nov 17, 2014