The Las Crucitas group are from the region known by the same name. they have worked with Adim for several cycles, and they feel that the institution has shown trust in them. According to them, they feel like part of the Adim family. Sebastiana del Rosario V. Gaitan is the group coordinator. She has a small store in the area, which has grown with each new loan that she has received. She says that she has seen her business improve with each loan and with greater investment. She has a child in her care who has a disability. She cares for him and purchases his medicine. By having her business in her home she is able to be self employed and care for her child. Her husband helps her with the expenses, but she feels good being the owner of her own business. She is encouraged to keep working and to keep caring for Adim when she thinks of all that she has achieved. She shares this with her group and for this reason she is charged with delivering the payment to ensure that it is made on time.
El grupo solidario Las Crucitas son originarios de la comarca del mismo nombre, tienen varios ciclos de trabajar con Adim porque sienten que es una institución que ha confiado en ellos, expresan que se sienten como parte de la familia de Adim.
Sebastiana del Rosario V. G. es la coordinadora de este grupo, ella tiene una pulpería en la comarca, esta ha venido creciendo con los diferentes prestamos que se le han otorgado, expresa que ella ha visto como en cada préstamo le va quedando mejoras en el negocio y mayor inventario.
Esta señora tiene un niño a cargo, él tiene una discapacidad, ella lo cuida y compra sus medicinas, el tener su negocio en su casa le favorece porque tiene su propio empleo y puede cuidar a su hijo, su marido le ayuda con los gastos pero ella se siente bien siendo dueña de su negocio.
Todo lo que ha logrado le anima a seguir trabajando y quedando bien en Adim, esto se lo hace saber a su grupo y por eso se encarga de ir a dejar el abono para garantizar la puntualidad.
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.