Chicas Sexis Group
Doña Josefa F. is the group coordinator (seen in the photograph seated in the middle). She is a 57 year old woman who possesses a cheerful disposition and a youthful spirit. She has an established business, which has been operation for the past 30 years, selling clothes in the Plaza Ana María. She started working for a friend who had a similar business, but later decided to start her own clothing shop.
Today her business has grown tremendously and she intends to move forward with the help of her husband, regardless of any obstacles they encounter along the way. Her loan will be used to buy school uniforms since the patron saint holidays are approaching and demand is high during that time of year. She will also buy shirts and dress slacks for men.
Her biggest dreams are to make home improvement repairs (the roof of her house was damaged) and see her son finish his college studies.
Pastora V. has a vending post where she has been selling perishable goods (food, dairy, and refrigerated products) for the past 16 years. María P. has been selling clothes in the Roberto Huembes Market for 18 years.
Doña Josefa F.; es la coordinadora del grupo, de 57 años de edad, a quien vemos en el centro de la fotografía, un rostro alegre y un carácter joven; Ella posee un negocio fijo de venta de ropa en la plaza Ana María, desde hace aproximadamente 30 años. Inicio trabajándole a una amiga quien tenía un modulo donde vendía sus productos. Impulsada por su optimismo decidió tomar un modulo e iniciar la venta de ropa.
Actualmente ha logrado surtir mucho su tramo, pretende seguir adelante con la ayuda de su esposo, no importando los contras que encuentre en el camino. Su crédito pretende invertirlo en la compra de uniformes escolares ya que se acercan las fiestas patrias y estos tienen mucha demanda en esta época del año. Además invertir en compra de camisetas de varón y pantalones de vestir.
Su mayor sueño es poder mejorar las condiciones de su hogar (El techo, que se le ha dañado), y que su hijo termine su carrera universitaria.
Pastora V. tiene un tramo donde vende productos perecederos (comidas, lácteos y productos refrigerados), negocio que mantiene desde hace b16 años; Y María P. vende Ropa en el mercado Roberto Huembes desde hace 18 años.
About ADIMLocated 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.
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Success!! The loan was 100% repaid