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Cielo Group
In this Group: Mirna De Jesús, Santiago José, Juana Isabel
Mirna de Jesús N. P., Santiago José P., and Juana Isabel V. are the three members of the Cielo (“Sky”) group. They come from the Las Pilas region and are originally from the city of Masaya.

Mirna is the group’s coordinator. She is 38 years old, and for the last 5 years has made a living making all kinds of clothing: dresses, shirts, trousers, children’s clothing, etc. She started off in this business working for a woman who exported the clothing she made to Honduras, but the woman paid Mirna very little because she supplied Mirna with the materials.

Once Mirna began working with Kiva partner ADIM she was able to invest in materials and thus earn more when she sold her products. The biggest obstacles she has faced are the difficulties that are currently affecting Honduras, and that is why she has had to start selling for a new market. Nevertheless, Mirna is not afraid to get ahead, and so she is beginning to sell her merchandise locally.

Mirna wants to use her loan to purchase materials so she can continue with her business and offer a variety of products.

Juana works selling vegetables as a street vendor, while Santiago sells clothing to order--also as a street vendor. Both of them work in the city of Masaya.
View original language description ↓
Mirna de Jesús N. P., Santiago José P. y Juana Isabel V. son los tres integrantes del grupo Cielo, quienes pertenecen a la comarca Las Pilas, originaria de la ciudad de Masaya.

La coordinadora del grupo es Mirna de 38 años de edad, quien desde hace 5 años se dedica a la elaboración de ropa de todo tipo; Vestidos, camisas, pantalones, ropa para niño, entre otros. Inició su negocio trabajándole a una señora que importaba la ropa a honduras, pero le pagaba muy poco puesto que ella le proporcionaba los materiales.

Cuando conoció ADIM, pudo invertir en materiales y de esa manera ganar más al vender sus piezas. Los obstáculos más grandes que ha enfrentado son las dificultades que actualmente afectan Honduras, por lo cual ha tenido que abrir nuevo mercado. No obstante, no teme seguir adelante y está iniciando en el comercio nacional para vender sus mercancías.

Su crédito pretende invertirlo en la compra de materiales para continuar su negocio y ofertar variedad de productos.

Juana trabaja vendiendo verduras de manera ambulantes y Santiago vende ropa por encargo y de manera ambulante; ambos en la ciudad de Masaya.

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 20.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Cielo Group's $275 loan helped a member purchasing raw material to continue with her business and diversify her products.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 13, 2009
Aug 19, 2009
Currency Exchange Loss:
Dec 19, 2009