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Yo Tengo Fe Group
In this Group: Dulce María , Darling Yohana , Lorenzo Isabel
Dulce María T. J. is 38 years old and the coordinator for the group “Yo Tengo Fe” (I Have Faith). She owns a modest tailoring shop where she manufactures high quality products.

Fifteen years ago, Dulce learned her trade working as a seamstress at a textile factory. When she decided to work on her own, she had the support of her family (her husband and children, ages 22 and 19). They made the decision to build Dulce her own workshop where she could use her knowledge to get ahead.

Today her goal is to acquire industrial machines and replace the pedals on her existing equipment. She started her business with her own money. Due to the economic crisis in Honduras, she recently lost 14,000 Nicaraguan córdobas on merchandise she exported (due to the exchange rates). Through saving and discipline, she has been able to recover from that loss.

Darling T. buys fruits and vegetables in Masaya and sells them in Matagalpa. She brings back with her beans that she sells in Masaya in order to increase her earnings. Lorenzo owns a nursery where he buys and sells plants.

View original language description ↓
Dulce María T. J. de 38 años de edad, es la coordinadora del Grupo Yo tengo Fe. Quien posee un taller de sastrería muy humilde pero de gran calidad en cuanto a los productos que elabora.

Desde hace 15 años, Dulce aprendió este oficio, trabajando en un taller como operaria. Cuando sintió que poseía la capacidad para hacerlo sola, con la ayuda de su familia (Sus hijos de 19 y 22 años y su esposo). Tomaron la decisión de poner un taller propio donde trabajaran y salieran adelante con sus conocimientos.

Actualmente su meta es lograr la adquisición de maquinas industriales y sustituir algunas de pedales que posee. Su negocio lo inicio con capital propio y aunque tuvo que enfrentar el hecho de que con la crisis económica en honduras perdió más de 14,000 córdobas en mercadería que exportaba, con sus ahorros y disciplina hoy ha alcanzado recuperarse de esta pérdida.

Darling T. trabaja en la compra de frutas y verduras en Masaya para luego llevarla a vender ha Matagalpa, cuando viene de regreso trae frijoles para venderlos en Masaya y así incrementar sus ingresos. Lorenzo posee un vivero donde compra y vende plantas.

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
  • 45
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 20.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Yo Tengo Fe Group's $650 loan helped a member purchase materials to fulfill customer orders.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Sep 22, 2009
Sep 26, 2009
Currency Exchange Loss:
Jan 15, 2010