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Ricarda Teodora
Ms. Ricarda is originally from Managua, the capital city of Nicaragua, a city central for trade and conglomeration.

She sells clothing mainly for men and women but occasionally for children, although very rarely, Ms. Ricarda tells us because there isn't a lot of demand for it.

She wants to have a stretch in the market "Roberto Huembes" where he sister works and she thinks that with the help of the loan from ADIM this will be possible and she can expand her business.

This is her third loan cycle with ADIM and she has very high expectations because she has never been late with her dues. She will invest the loan in buying a selection clothing so that she doesn't have to borrow from her sister and can increase her profits.

View original language description ↓
Doña Ricarda es originaria de Managua, Capital de Nicaragua; Ciudad céntrica para el comercio y de mucha conglomeración.

Ella se dedica a la venta de ropa, sobre todo ropa para damas y caballeros y en algunos casos vende ropa de niño, pero muy pocas veces, nos dice doña Ricarda, debido a que no tiene mucha demanda.

Ella desea poder poner un tramo en el mercado Roberto Huembes, donde su hermana está actualmente trabajando y cree lograrlo con la ayuda de los créditos que ADIM le vaya facilitando y conforme al crecimiento de estos.

Es su tercer ciclo en ADIM, pero tiene muy buenas expectativas puesto que nunca ha quedado mal con sus cuotas. Su crédito lo invertirá en la compra de ropa surtida para no tener que pedir crédito a su hermana y así ganar mucho más en su negocio.

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.

About Nicaragua

  • $4,800
    Average annual income
  • 53
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 20.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Ricarda Teodora buying a selection of clothing for sale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 24, 2009
Aug 26, 2009
Currency Exchange Loss:
Dec 19, 2009