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Las Colinas Group
In this Group: Karina Melisa , Yolanda Antonia , Sebastiana Emelda
The Las Colinas group consists of Karina Melisa G. P., Yolanda Antonia P. G. and Sebastiana Emelda V. E.. They are three businesswomen who started with Kiva partner ADIM more than three years ago with loans that were quite small, but currently thanks to their punctuality, responsibility and hard work they are among the clients in the institution's A classification.
Karina is a hard-working woman who makes a living sell cosmetics at wholesale out of her home. She sells well-known brands such as Zermat, Avon, Oriflame and Vogue. "A variety of products for everyone's tastes," she tells us. She sells products for every kind of customer and also sells to affiliated members in her network, of which she is a distinguished member. She plans to invest her portion of the loan in part on promotional material that will run in August and September and is only for special customers. She'll invest the other part in Zermat products that a large number of her customers have ordered.
The other group members make a living selling spices out of their homes, and Yolanda and Sebastiana also sell cosmetics.
View original language description ↓
El grupo las Colinas está formado por Karina Melisa G. P., Yolanda Antonia P. G., Sebastiana Emelda V. E.. Tres mujeres de negocio, que iniciaron en ADIM hace más de tres años con créditos bastantes bajos, pero que actualmente por su puntualidad, responsabilidad y desempeño, se encuentran entre los clientes de categoría A de la institución.

Doña Karina G. es una mujer joven trabajadora, quien se dedica a la venta de cosméticos al por mayor, en su casa de habitación, ella se encuentra entre las socias de distinción de empresas como Zermat, Avon, Oriflame y Vogue. “Variedad de productos para todos los gustos”, nos dice doña Karina. Por eso vende productos para cada tipo de cliente e incluso vende a socias que están afiliadas bajo su red (Que ella ha ido ingresando y le beneficia como socia distinguida).

Su crédito pretende invertirlo en parte en un paquete promocional que estará vigente en Agosto-Septiembre; Y que solo es para socias especiales. Y otra parte la invertirá en productos de Zermat que sus gran variedad de clientes han pedido.

Las otras miembras del grupo trabajan una en la venta de especias en su casa de habitación, quien es Yolanda P. y Sebastiana E. vende productos variados en cosméticos.

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
  • 47
    View loans »
    Nicaragua Loans Fundraising
  • $26,238,100
    Funds lent in using Kiva
  • 20.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Colinas Group's $1,175 loan helped a member purchase promotional products and other items.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Aug 24, 2009
Aug 26, 2009
Currency Exchange Loss:
May 15, 2010